Mortgage Securities Officer

About the team

The Securities team within Mortgage Servicing process all securities related tasks for the lending brands within OSB Group.

As Mortgage Securities Officer, you will have the opportunity to deliver exceptional customer service, getting it right first time and keeping the customer journey at the heart of every task. You will facilitate and progress post contract mortgage variations in line with the group operating procedures, mandates and lending policy and be responsible for processing all securities related post tasks, ensuring the customer journey is at the heart of all you do.

Your responsibilities will include…

• Approving Securities requests in line with the Servicing and Collections Mandate. This will be based on sound judgement and evidence of understanding of core Servicing policy and decisions. Ensuring that all requests have robust audit trails and customer and internal teams are aware of status and progress of requests.
• Communicating by telephone and in writing with customers, solicitors, or any third parties in an effective manner, handling objections and responding to complaints where necessary.
• Identifying any potential fraudulent activity or breaches to contract and escape any concerns to the appropriate person immediately.
• Assessing allocated workload within assigned mandate level and within agreed service levels and lending policy. Request further information where required and verify this upon receipt in order to make the final decision.
• Interpreting customer issues and analysing existing policies and procedures to determine a suitable resolution, ensuring the banks risk position is protected at all times.
• Protecting the Bank from risk exposure by ensuring all charges are registered correctly at the Land Registry, ensuring continual oversight and high attention to detail.

We offer a base salary of £26,500 to £27,500 dependent on experience and a competitive benefits package including:

• Annual discretionary bonus opportunity of 15%
• 30 days annual leave
• Choose to contribute 3% or 5% pension, with employer contributions of 6% or 8% respectively
• Enhanced family-focused benefits
• Hybrid-working of 3 days based in the office and 2 days working from home per week

Please use this link to see the fantastic benefits available at OSB: OSB Careers

OSB Group is a specialist mortgage lender and retail savings bank. Alongside passion for our products and customers, we're passionate about our people and want to continue building a collaborative and engaging environment!

We are looking for talented individuals who have the experience and knowledge set out below:

• Previous experience of working within a mortgage securities environment would be an advantage.
• Strong attention to detail is essential.
• Verbal and written communication skills are essential.

Shortlisted candidates will go through a personalised recruitment process, that is relevant and conversational. If you need any adjustments or support, we’re here to make sure you can show your best self.

We are proud to be a Disability Confident employer and are committed to creating an inclusive and accessible workplace where everyone can thrive.

We welcome applications from people of all backgrounds and encourage candidates with disabilities and long-term health conditions to apply.

Our team value spending time together in the office, typically 3 days a week to support collaboration and connection with colleagues, but we’re happy to have a conversation about what flexibility might look like for you.

Not sure if you meet the spec? Let us decide. Research tells us that those from marginalised groups feel like they need to meet 100% of the criteria to apply. Here at OSB, we are committed to inclusivity and understand the value different experiences and perspectives can bring, so please don’t feel like you need to check every box to apply for a role internally.

We champion diversity at all levels, with Board-level Diversity Champions tracking our progress. We are proud to be signed up to the Women in Finance Charter to actively support the growth and development of senior women in our sector and are dedicated to treating all our employees and job applicants equally, opposed to discrimination on any grounds.