Mortgage Direct Sales Specialist

Salary:  Basic £30k – OTE £40K

Duration: Permanent        

Job Description:

We are seeking a CeMap qualified Sales Specialist, fluent in either Urdu, Arabic or Bengali with a working knowledge of Company Accounts and familiar with modern retail banking for an immediate start in the new year.

 Purpose of the role:

  • To achieve individual sales targets for the Bank’s finance products such as residential HPP, Buy To Let and Commercial Property Finance
  • To achieve individual sales targets for the Bank’s deposit and fee income products such as savings balances
  • To achieve the Bank’s financial objectives through the achievement of individual targets for products and services that the Bank may focus on
  • To deliver excellent customer service to customers using direct channels such as telephony and online

Key responsibilities and tasks

  • Achieve the individual agreed sales targets for the Bank’s secured finance products (Residential HPP, Buy to Let, Portfolio BTL, LTD Company BTL and SME Commercial Property Finance)
  • Demonstrate a passion for the delivery of sales and service that exceeds the expectations of the customer
  • Produce and work to a Sales Action Plan signed off by the Line Manager which supports the Bank’s strategic objectives
  • Ensure that all parts of the HPP sales process which are influenced by the role are delivered within agreed Service Levels (SLA’s)
  • To build effective relationships with all areas of the business and in particular the other Sales teams, Branches, Contact Centre, Marketing, Credit Risk and Operations Departments
  • Maintain a comprehensive knowledge of the Bank’s assets and liability products and a working knowledge of competitor products
  • Work closely and communicate effectively with other sales channels including coaching of individuals to source leads for the Bank’s secured finance products.
  • Comply with the Bank’s policies, FCA regulations, the UK legal framework and Sharia principles
  • Comply with the Bank’s T&C and Compliance regime
  • Ensure all contacts and sales opportunities are correctly entered into the sales management system – Salesforce and updated on a regular basis
  • Comply with the Bank’s risk procedures and criteria to ensure this area is managed according to company objectives
  • Package the Bank’s secured finance products in line with the requirements set by the Bank
  • Obtain customer feedback on existing products, services and level of service quality and provide feedback to sales and marketing teams and other relevant internal stakeholders
  • Internal and external feedback
  • Application decline rate
  • Adherence to all regulatory and legal requirements to ensure no breaches
  • Timely completion of online training modules

Competencies, skills, knowledge and experience to undertake the role


  • Experience of successfully selling financial services products in the UK
  • CeMAP qualified
  • Familiarity with the UK mortgage industry and mortgage selling regulations
  • Familiarity with modern retail banking and knowledge of the regulatory framework
  • A working knowledge of Company Accounts (Sole trader, Limited Companies and Partnerships)
  • A demonstrable set of sales skills and a self awareness of how to sell
  • A good understanding of Islamic values and culture
  • Team player with excellent communication and interpersonal skills
  • Must be passionate about service quality
  • Key qualities of Self-motivation, persistence and follow up
  • Organised and able to adhere to deadlines
  • Strong business awareness and personal drive – an achiever
  • Credible, persuasive and personable manner
  • Excellent negotiation and organisational skills
  • Numerate
  • Analytical, innovative and enquiring approach and the ability to work autonomously and take initiative where required.
  • Excellent oral and written communication, facilitation skills and ability to work effectively with staff and management and to engage and manage stakeholders
  • Assertiveness and the knowledge, strength and ability to discuss, explain and support a decision, or other role specific matters of a technical nature, to a range of audiences of varying seniority.
  • Good knowledge of Microsoft Office packages
  • IT literate with the ability to effectively use all Bank proprietary systems relevant to role.


  • Language skills, which are representative of the local community
  • Islamic Finance Qualification
  • A general understanding of Islamic Finance and Banking

Academic and/or professional qualifications:

  • CeMAP
  • IFQ

Other special requirements of the role:

  • Ethnic language skills
  • Availability to be on-call and ad-hoc/occasional/regular out-of-hours work.
  • Availability to undertake regular/ad-hoc business travel (driving license and car would be required)
  • Flexibility re working hours/willingness to travel
  • Role subject to Certification Regime