Full job descriptionMortgage Completions Officer
The Buy-to-Let (BTL) Completions Officer manages BTL mortgage applications from the formal offer stage through to legal completion and fund release. This role ensures all specialised lending conditions, legal requirements, and regulatory standards are met. The officer serves as the primary liaison between underwriters, solicitors, brokers, and landlords to deliver a seamless completion process.
Key Responsibilities
Case & Pipeline Management
*Pipeline Control: Manage a pipeline of BTL mortgage offers from issuance to final drawdown.
*Deadline Tracking: Monitor critical dates to prevent the expiry of mortgage offers, valuations, and credit searches.
*Data Accuracy: Ensure all internal systems are updated in real-time with precise case notes and status tracking.
Legal & Compliance Checks
*Certificate of Title (COT): Review, validate, and sign off on COTs received from conveyancing solicitors.
*Specialist Property Verification: Confirm that complex property structures—such as Houses in Multiple Occupation (HMOs), Multi-Unit Freehold Blocks (MUFBs), and Limited Company setups—satisfy all specific offer conditions.
*Special Conditions: Audit files to guarantee that specific underwriting conditions (e.g., corporate structures, personal guarantees, specific tenancy agreements) are fully resolved before funding.
*Financial Crime Prevention: Conduct mandatory Anti-Money Laundering (AML) and Know Your Customer (KYC) checks on all parties involved.
The position is offered on a full time, office based permanent basis and offers a competitive basic salary and supporting package inc 25 days holidays, Pension and Discretionary bonus. Interviews are available immediately.