Mortgage Operations Associate

Allica Bank

About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. ABOUT GROWTH FINANCE Having already achieved significant success in the commercial mortgage and asset finance markets, Allica launched an innovative new Growth Finance product in 2023. This delivers working capital funding with facility sizes between £1m-£10m and is principally an asset-based lending product. Since launch, the product has been well received in the market and the client portfolio has grown quickly. We now plan to expand regional presence so that we can meet the funding needs of even more growing established, businesses. ROLE DESCRIPTION We are seeking a highly organised and proactive Senior Transaction Associate to join our team. You will be responsible for coordinating and overseeing the onboarding of new clients and introducers by proactively working alongside our sales team and other key stakeholders such as external lawyers and advisories. This role requires meticulous attention to detail and the ability to work well in a fast-paced environment, prioritising deals effectively. In addition, you will take ownership of maintaining up to date documentation and reports, adhering to organisational standards and regulatory requirements. PRINCIPAL ACCOUNTABILITIES * Working with the RM & BDM team, to oversee and manage the onboarding of new clients and introducers, including but not limited to credit searches, organising KYC approval, preparing or reviewing required documentation and operational support towards first drawdown. * Contribute to the development of the GF procedures and policies, proactively identifying opportunities for continuous improvement to enhance the client journey. * Assist with the diarising facility milestones, ensuring that all required client information is received in a timely manner, and compliantly saved, recorded and reviewed. * Assist with the preparation of client drawdown requests when required ensuring all relevant departments receive appropriate information in a timely manner. * Assist in the production of monthly portfolio reports which provide an accurate and comprehensive summary of client financial performance, covenant compliance and collateral overview. * Responsible for ensuring that any new or increased GF client or debtor risks are escalated to the Senior Relationship Manager where appropriate and without delay. * Ongoing engagement with other relevant functional areas of the bank, particularly Risk, Operations and Finance to ensure effective collaboration and awareness of changes in policies/processes. * Assisting in maintaining the introducer base, expected to be corporate finance and debt advisory professionals in addition to selected specialist brokers. PERSONAL ATTRIBUTES & EXPERIENCE * Experience reviewing legal documentation related to business finance, with a good understanding of relevant terminology. * Strong organisational and time management skills, with the ability to coordinate and manage multiple deals simultaneously. * You’re a natural team player with an ability to develop strong working relationships. * You will have excellent interpersonal and communication skills together. * Experience of working competently with the Microsoft Excel, PowerPoint and Word. * You will be able to work in a fast-paced environment whilst not compromising attention to detail or accuracy. * Able to interpret financial information including balance sheet and cash forecasting. * You understand the operational aspects of business finance, including receivables and Asset Based Lending * A basic familiarity with the legal processes and logistical requirements involved in corporate transactions and acquisitions. #LI-AD1 Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: * Full onboarding support and continued development opportunities * Options for flexible working * Regular social activities * Pension contributions * Discretionary bonus scheme * Private health cover * Life assurance * Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.

Abound

About Abound We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation. And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us. About the Role We're looking for an experienced Second Charge Mortgage Underwriter to join our underwriting team and help build and scale our new Secured lending product. This is an exciting opportunity to build a product within a successful business. We are taking our success in underwriting unsecured loans and applying this to our secured lending product, and we need the final piece of the puzzle to bring the Customer and Property Underwriters together under one roof. In this senior role, you'll be the go-to person for all things second charge and property-related. You'll underwrite customers using our in-house system, Render, powered by Open Banking, and help shape the development of the property side of the platform. You'll work closely with Direct or Underwriting, Product, Technology, and Data Science teams, bringing your expertise in property and equity-based lending to bear on real decisions that shape the business. We're not looking for someone who simply follows a tick-box process. We want someone who can work to and reach targets, enjoys the fast paced start up environment and can think commercially, while still delivering good customer outcomes. About the Team Our Mortgage team is small split between Customer Underwriters and Property Underwriters. As part of the Senior role would be to bring this together. Unlike traditional lenders, we’re focused on doing things differently. Our underwriting approach combines a state-of-the-art in-house built technology that blends traditional lending methods with Open Banking analysis to create a smoother and more flexible experience for our customers. We’re always open to new ideas and better ways of working, and senior team members are encouraged to challenge existing processes and help improve how we do things. What You'll Be Doing * Take full ownership of complex and high-value second charge mortgage applications. Working to targets and Annual year end goals. * Open Banking data, credit reference agency information, and supporting documentation to make sound, commercially balanced lending decisions. * Act as the senior point of escalation for underwriting queries, setting the standard for how judgement is applied across the team. * Shape and evolve underwriting policy for second charge lending, ensuring it remains commercially sound, competitive, and aligned with regulatory requirements as the product scales. * Partner closely with product and technology teams to design and refine the property assessment capabilities within our in-house system, Render, bringing underwriting expertise to how property risk is evaluated and processed. * Identify opportunities to improve underwriting efficiency and quality, using data and case trends to refine policy and process over time. * Support the recruitment, training, and development of underwriters as the team expands, helping to instil a culture of sound judgement over box-ticking. * Work cross-functionally with Risk, Compliance, and Operations to ensure underwriting practices support both growth and good customer outcomes. * Contribute to management information and reporting, providing insight into underwriting performance, trends, and risk exposure to senior stakeholders. Skills & Experience * Minimum of 5 years' experience in second charge mortgages, this must be England-based; prior experience in a senior, lead, or team management capacity is highly desirable. * You'll be comfortable working to targets, driving month-on-month growth as the book expands. * Expert-level understanding of property as security — including valuation approaches, equity position, LTV and combined LTV calculations, existing charge structures, and title issues — with the ability to lead confidently on lending decisions where property equity is the primary basis for risk. * Strong working knowledge of FCA regulation, UK responsible lending rules, affordability assessment, MCOB requirements, fraud prevention, and AML regulations, with the credibility to interpret and apply these commercially. * Proven track record in manual underwriting of complex, high-value, and non-standard cases, with the judgement to make balanced decisions beyond a tick-box approach. * Demonstrated experience shaping or influencing underwriting policy, and a strong understanding of how policy translates into practical, day-to-day decision-making. * Experience contributing to the build-out or scaling of an underwriting function, process, or team — comfortable operating with a degree of ambiguity in a growing business. * Ability to manage competing priorities effectively and perform well under pressure in a fast-evolving environment. * Relevant industry qualifications (e.g., CeMAP, CeRER, DipFA or equivalent) are highly desirable. How We Work * We prioritise sound credit decisions and continuous learning from outcomes. * We take ownership of our work and support one another to achieve shared goals. * We work collaboratively across the business and contribute beyond individual responsibilities. * We encourage open discussion, constructive challenge, and accountability. * Strong performance and positive contribution are recognised and rewarded. What We Offer * Everyone owns a piece of the company - equity * Hybrid with 3 days a week in the office * 25 days’ holiday a year, plus 8 bank holidays * 2 paid volunteering days per year * One month paid sabbatical after 4 years * Employee loan * Free gym membership through WellHub * Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering

Trustpilot

At Trustpilot, we're on an incredible journey. We're a profitable, high-growth FTSE-250 company with a big vision: to become the universal symbol of trust. We run the world's largest open customer review platform, and while we've come a long way, there's still so much exciting work to do. Come join us at the heart of trust! We are embarking on an exciting global growth journey and we are seeking a highly skilled and experienced Head of B2B CRM and Lifecycle to join our team. As the Head of B2B CRM and Lifecycle, you will be responsible for developing and implementing our B2B CRM and Lifecycle strategy, ensuring that we deliver exceptional experiences to our B2B customers at every stage of their journey. What you’ll be doing:  * Develop and implement the B2B CRM and lifecycle strategies, with a focus on delivering new customer conversion, engagement, retention, and upsell/cross-sell opportunities. * Develop and maintain a deep understanding of our B2B customers and their needs, and use this knowledge to inform and improve our CRM and lifecycle strategies. * Continuously monitor and optimize our B2B customer journeys, identifying opportunities for improvement across channels, formats, and cadence, and implementing changes to increase engagement and revenue. * Collaborate with cross-functional teams, including Performance & Paid Media team, Marketing Operations team, Regional Marketing teams, Sales, and Product, to ensure that our B2B CRM and lifecycle strategies are aligned with broader company goals. * Work closely with regional marketing teams to set strategies for CRM & lifecycle regional activations, establish best-in-class approaches and coordinate global lifecycle campaign dashboard.  Who you are: * Extensive experience in lifecycle marketing, with a focus on B2B * Previous experience with developing and implementing effective B2B CRM and lifecycle strategies * Strategic thinking with a clear customer-centric mindset * Willingness to execute on your strategic vision * Ability to get buy-in from key management and drive results in a fast-paced environment * Proven leadership skills, with experience maintaining and developing efficient teams * Experience working with Salesforce Marketing Cloud among other CRM system is necessary  * Enhanced communication and collaboration skills What's in it for you: * A range of flexible working options to dedicate time to what matters to you * Competitive compensation package + bonus * Rich learning and development opportunities are supported through the Trustpilot Academy and Blinkist * Pension and life insurance * Health cash plan, online GP, 24/7, Employee Assistance Plan * Full access to Headspace, a popular mindfulness app to promote positive mental health * Season ticket loan and a cycle-to-work scheme * Central office location complete with table tennis, a gaming corner, coffee bars and all the snacks and refreshments you can ask for * Regular opportunities to connect and get to know your fellow Trusties, including company-wide celebrations and events, ERG activities, and team socials. * Access to over 4,000 deals and discounts on things like travel, electronics, fashion, fitness, cinema discounts, and more. * Independent financial advice and free standard professional mortgage broker advice * Talent acceleration programs: Fast-track your career with our tailored development programs designed to support growth at whatever stage of your career Still not sure? We want to be a part of creating a more diverse, equitable, and inclusive world of work for all. We’re excited to hear about your experiences as well as how you will contribute to our working culture. So, even if you don’t feel you don't meet all the requirements, we'd still really like to hear from you! About us Trustpilot began in 2007 with a simple yet powerful idea that is more relevant today than ever — to be the universal symbol of trust, bringing consumers and businesses together through reviews. Trustpilot is open, independent, and impartial — we help consumers make the right choices and businesses to build trust, grow and improve. Today, we have more than 350 million reviews and 60 million monthly active users across the globe, with 149 billion annual Trustpilot brand impressions, and the numbers keep growing. We have more than 1000 employees and we’re headquartered in Copenhagen, with operations in  Amsterdam, Denver, Edinburgh, Hamburg, London, Melbourne, Milan and New York.  We’re driven by connection. It’s at the heart of what we do. Our culture keeps things fresh –– it’s built on the relationships we create. We talk, we laugh, we collaborate and we respect each other. We work across borders and cultures to be the universal symbol of trust in an ever-changing world. With vibrant office locations worldwide and over 50 nationalities, we’re proud to be an equal opportunity workplace with diverse perspectives and ideas.  Our purpose to help people and businesses help each other is a tall order, but we keep it real. We’re a great bunch of humans, doing awesome stuff, without fuss or pretense. A successful Trustpilot future is driven by you –– we give you the autonomy to shape a career you can be proud of. If you’re ready to grow, let’s go. Join us at the heart of trust. Trustpilot is committed to creating an inclusive environment where people from all backgrounds can thrive and where different viewpoints and experiences are valued and respected. Trustpilot will consider all applications for employment without regard to race, ethnicity, national origin, religious beliefs, gender identity or expression, sexual orientation, neurodiversity, disability, age, parental or veteran status. Together, we are the heart of trust. Trustpilot is a global company and our data practices are designed to ensure that your personally identifiable information is appropriately protected. Please note that your personal information will be transferred, accessed, and stored globally as necessary for the uses and disclosures stated in our Privacy Policy. If you have a disability and would like to discuss any adjustments you might need either in submitting your application, or to the recruitment process more generally, please let us know by contacting our Talent Acquisition Team (talent.acquisition@trustpilot.com) quoting the role you wish to apply for.