Buy to Let Officer, Primary Servicing

Overview As a Buy to Let Officer within our Buy to Let Primary Servicing team, you will work across various loan portfolios on behalf of multiple clients and will undertake a range of post completion loan servicing activities in accordance with service level agreements, procedures and current legislation. Our clients range from banks, specialist lenders and private equity funds and the customers within their portfolios will include individuals, partnerships, SPVs and Limited Companies. You will be required to deliver an excellent level of service at all times, whilst ensuring that we are Treating Customers Fairly and delivering the best outcome. Key Accountabilities and main responsibilities

Strategic Focus

• Identify and recommend enhancements to processes, procedures and systems and ensure the Buy to Let Servicing Manager, Buy to Let Team Leader and Commercial Improvement Manager are engaged to oversee the change required.
• Assist with projects as defined by the Buy to Let Team Leader by meeting agreed deadlines and achieving specific objectives.

Operational Management

• Understand the terms and conditions of a customer’s loan so that they can be clearly explained to, and met by, the customer.
• Review and process requests for information accurately and within service level agreements.
• Receive and resolve standard loan enquiries from customers and their advisors.
• Ensure information relating to customers and their loans is current and accurate. Process any amendments to customer’s accounts accurately and in accordance with procedures and regulatory requirements
• Ensure that customers are correctly informed of payments due and that the collection of the required payment is made accurately and in accordance with BACS rules.
• Process requests for redemption statements in a prompt and timely manner and ensure that upon receipt of required funds the loan security is released in accordance with procedures and agreed SLAs.
• Calculation and processing of financial transactions in the servicing system.
• Ensure that new loans are boarded accurately and correct correspondence has been issued.
• Oversight of loans approaching expiry and ensuring appropriate follow up action is taken.
• Reviewing company watch notifications received and taking appropriate follow up action.
• Liaise professionally with clients, third parties and other areas of the business.
• Report any system or loan issues accurately, proactively and in a timely and professional manner, making recommendations as necessary and expressing technical opinions.

People Leadership

• None

Governance & Risk

• Meet all quality, productivity and performance related targets.
• Assist in working daily/weekly/monthly reports and ensure any required action is completed within the required timescales.

Experience & Personal Attributes Essential

• A fundamental desire to do the right things, in the right way and for the right reasons.
• Ability to organise workload to meet deadlines and regulatory requirements.
• Strong mathematical skills - in order to check redemption figures, instalment and interest calculations.
• Excellent communicator at all levels - both verbal and written.
• High attention to detail - recording of information must be accurate, factual and professional.
• Ability to work as an effective team member – be co-operative, support others and deliver what you promise.
• A desire to learn and take on new systems and concepts quickly.
• Empathetic manner - be able to confidently deal with difficult conversations whilst showing empathy and dealing sensitively, but appropriately.
• A can-do attitude with a desire to identify and deliver effective solutions for customers and all clients and stakeholders, both internal and external.

• Competent using Microsoft Office packages.

Desirable

• Experience within the mortgage/lending industry.
• Basic knowledge of buy to let mortgages and specialist finance in the UK.
• Knowledge of the applicable regulations governing the financial services industry.
• Customer service experience.
• Knowledge of the loan redemption process.
• Industry recognised qualification

BCMGlobal is a leading European independent loan and asset management service provider. We are part of Link Group, listed on the Australian Securities Exchange. We have multijurisdictional expertise with operations in Ireland, the UK, the Netherlands and Italy, supporting loans for commercial and investment purposes and mortgages from origination to redemption. We apply a commercial, proactive approach to loan servicing. Our knowledge of the servicing industry and best-in-class technology enables us to achieve the best possible outcome for our clients. Our clients across Europe trust us to provide superior service outcomes and minimise their regulatory burden.

We are the experts in providing efficient administration and innovative financial solutions. We have over €90bn of assets under management and over 115,000 loans under management. Our clients include a range of financial service organisations, from banks, pension funds and insurers to private equity firms. We operate in regulated markets across multiple European jurisdictions.

We provide a range of administrative services relating to the monitoring and repayment of asset-backed debt, allowing our clients to manage their debt and underlying assets effectively. Our services span all stages of the debt life cycle from origination to performing & non-performing loan and asset management across multiple debt classes. We provide jurisdictional centres of excellence and undertake management of full banking operations, transforming core and non-core banking activities.

Banking & Credit Management is a leading independent servicer and we are highly rated by both Standard & Poor’s and Fitch for both our commercial and residential servicing capabilities.

Link Group is building a dynamic, client focused, caring and inclusive culture that is built on the foundations of an entrepreneurial spirit, effective risk management, empathy and trust, and underpinned by its core values.

We are an inclusive employer whose people work collaboratively. We encourage, support and value the various talents and perspectives of our people and promote a flexible and blended work environment where our people can thrive and their wellbeing is supported. We know that diversity drives better client outcomes, continuous improvement, and growth. Be part of the Link Group journey and together we will achieve our full potential.

We treat all individuals fairly and equitably and do not discriminate on the basis of diverse characteristics including, but not limited to gender, gender identity, sexual orientation, age, ethnicity, cultural background, physical abilities/disabilities, religious or political belief, marital or family status or carers responsibilities.

Candidates must have the relevant work rights to be considered for an opportunity at Link Group. Successful applicants will be required to complete background screening prior to commencement of employment.