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Mortgage Oversight Consultant - Edinburgh

Company: Sainsburys Bank
Pay: Excellent Salary Benefits
Job type: full-time
Category: Financial Services

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Job description

Mortgage Oversight Consultant


Basic salary 30k-35k depending on knowledge skills and experience, plus competitive bonus, benefits and a great working environment

Are you experienced in working with Mortgages and Mortgage regulations? Do you have strong analytical and problem solving skills?

If so, we'd love you to join our team!

In this role you will be providing oversight of the Sainsbury's Bank's (SB) outsourced mortgage provider, by creating risk based testing plans that use proven testing methods to assess whether our products and services are fair to our customers and risks are being managed effectively. This will include conducting outcome and control testing for all aspects of the mortgage services throughout the customer lifecycle, both in-house and at suppliers.

You'll be:

Facilitating the embedding of Enterprise Wide Risk Management Framework (EWRMF) within Mortgage Operations, constructively challenging on their progress in embedding EWRMF
Review all referrals within mandates level from third party provider, delivering responses within required SLAs
Creating outcome and control testing plans for complaint management along with quarterly terms of reference for joint approval with third party mortgage supplier
Undertaking required number of outcome and control test on a risk based approach in line with the approved terms of reference and aligned to bank T&C scheme
Producing reports detailing outcomes of testing, identifying improving or deteriorating trends for consideration by joint management committee
Liaising with supplier to review outcome of testing and agree suitable remedial actions as a result of outcome testing
Continuously refining and improving the risk review methodology and approach and work collaboratively with supplier to ensure synergies in the overall approach to risk and actions required at each level.

You'll bring:

CeMap, Financial Planning Certificate 3 or equivalent is essential
Strong experience of working within a regulatory environment utilising a Risk Framework
Good understanding of the financial services industry, specifically mortgages and mortgage regulations
Strong analytical skills and problem solving skills
Advanced relationship management skills.
Strong interpersonal skills with an ability to communicate at all levels, both verbally and in written form.
The ability to work using own initiative with strong planning and organising skills as well as being an effective team player.
Pro-activeness in identifying opportunities to help make improvements for both the customer and the Bank.


We're proud to be different. We offer an award-winning product range that includes insurance, savings, loans, credit cards and travel money. As well as being the first British supermarket to open a bank, our people, values and new offices create a great working environment where we can focus on what our customers want.

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