1st Charge Advisor

1st Charge Advisor

We are looking for a motivated and customer-focused 1st Charge Advisor to join our growing ClearScore Home Lending team.

This role is central to helping customers make confident financial decisions by supporting them through the first charge mortgage journey, from initial enquiry through to completion.

You’ll combine strong regulatory knowledge with a customer-first mindset to deliver tailored mortgage solutions while ensuring the highest standards of compliance and customer outcomes.

What you will be doing:

• Conduct detailed fact-finds to understand customer circumstances and provide suitable, compliant mortgage recommendations.
• Provide clear, compliant information and guidance in line with FCA regulations.
• Recommend suitable first charge mortgage products.
• Package and submit applications accurately to lenders.
• Liaise with underwriters, solicitors, valuers and other third parties to progress cases.
• Maintain accurate and detailed customer records on internal systems.
• Ensure all compliance documentation is completed to required standards.
• Meet agreed KPIs including conversion rates, quality standards and customer satisfaction.
• Deliver excellent customer service throughout the mortgage journey.
• Keep up to date with lender criteria, regulatory changes, and market developments.

Skills we'd love you to have

• CeMAP 1 qualified (or equivalent).

• Experience working within the UK mortgage market (first charge).
• Strong understanding of FCA regulation and Treating Customers Fairly (TCF) principles.
• Experience conducting fact-finds and affordability assessments.
• Excellent communication and interpersonal skills.
• Strong organisational skills and attention to detail.
• Ability to manage a pipeline of cases effectively.
• Comfortable working to targets in a regulated environment.

Desirable:

• Fully CeMAP qualified (or equivalent).
• Experience using mortgage sourcing systems.
• Experience working with a variety of UK lenders.

Why ClearScore?

ClearScore is the UK's #1 credit score and report app. We are also present in South Africa, Australia and Canada, with more than 20 million users globally and growing fast. Someone joins ClearScore every 20 seconds. We have established relationships with over 50 of the main lenders in the U.K., and have been a trusted tool for customers to manage their credit and make better financial decisions.

Since October 2016 we have helped 1.8 million users take out a new credit card or loan. We are user-centric at our core and we believe in leveraging technology to enable positive financial choices. We are design-led and data-driven and we embed these behaviours in everything we do.

Our company culture is a fundamental part of all we have achieved. We believe in hiring smart, driven, passionate and diverse people who are keen on having a real impact in our organisation. We trust you to manage your own time so we offer flexible work and no fixed desk hours. We don't micromanage and we believe in measuring outcomes rather than effort. We have an inclusive culture where all, regardless of seniority, are encouraged to contribute with their ideas, look after their wellbeing and actively seek opportunities for career growth.

If you feel like this could be the place for you, apply and our Talent team will be happy to share more.

Benefits:

• 25 paid holidays and a “duvet day” on your birthday
• Hybrid Work Environment
• Private health and dental cover - including mental health support through Bupa 
• GP office visits
• Life assurance scheme
• Up to 6% matched pension
• Regular Lunch and Learns with guest speakers
• Dog-friendly office
• Daily breakfast and free snacks
• Access to discounts via Cobens Extras 
• Free sports and social clubs
• Continued investment into learning and development 
• Leadership-led training
• In-house psychotherapist
• Financial coach to help you plan and achieve your goals
• No clock-watching culture
• Generous maternity and paternity plans
• Culture and inclusion representatives
• Transparent pay structure and a career growth plan

Equal Opportunities

ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs.

• Flexibility to manage your work and life
• Dedicated in-office days for team building and collaborative projects
•  Office facilities (with plants!) designed for productive interactions
• Clear expectations and support for maintaining our hybrid schedule