Mortgage Operations Analyst

About the role

Our client is a well-established financial services organisation managing mortgage and loan portfolios on behalf of lenders and investors. Its mortgage operations team in Maynooth hires Analysts regularly across several teams.

As an Analyst, you'll support one of these teams through the mortgage lifecycle: from application and loan offer, through completion and drawdown, to security management and ongoing customer servicing. The work is structured, process-driven and measured against service level agreements (SLAs). Accuracy and attention to detail matter at every step.

The skills overlap across teams, so candidates are considered for whichever team is hiring at the time.

Key responsibilities

Responsibilities depend on the team you join. Most roles fall into one of the four areas below.

Origination

• Validate and process mortgage application information and documents in line with lender requirements
• Generate loan offer documentation in line with procedures and controls
• Run credit reference reports on applications
• Check mortgage documentation against credit policy and Central Bank of Ireland guidelines
• Liaise with brokers, internal teams and lenders to progress applications to drawdown
• Manage the drawdown process once a loan is sanctioned, ensuring a smooth handover to servicing
• Manage a central mailbox and respond to incoming correspondence

Completions

• Process mortgage completions in line with procedures and service levels
• Review and verify legal and completion documentation
• Coordinate with solicitors and internal teams to progress loan drawdowns
• Ensure all completion conditions are met before funds are released
• Support pipeline management and keep records up to date on internal systems

Security Management

• Take delivery of title deeds and security documents and manage them in line with lender procedures
• Check title deed schedules and legal packs against approved checklists
• Maintain a register of solicitor undertakings, follow up outstanding undertakings and escalate overdue ones
• Review returned solicitor documents and Land Registry folios, and issue releases once obligations are met
• Arrange file storage and retrieval with third-party storage providers
• Process follow-up correspondence from solicitors on time

Customer Services & Arrears

• Handle high-volume inbound customer queries by phone, email and post, resolving them at first point of contact where possible
• Follow identification and verification (ID&V) procedures on every customer interaction
• Handle complaints in line with internal procedures and SLAs
• Support customers who are in, or at risk of, mortgage arrears, in line with the Code of Conduct on Mortgage Arrears (CCMA)
• Gather and assess customer financial information to support arrears resolution
• Liaise with customers' advisors and solicitors where authorised

Across all teams

• Produce accurate management information (MI) and SLA reporting
• Monitor and prioritise daily workloads so work items are cleared within SLA
• Keep accurate records on internal systems
• Handle customer data in line with GDPR and data protection policies
• Comply with internal policies, lender requirements and Central Bank regulations
• Complete company and regulatory training on an ongoing basis
• Contribute to team goals, projects and process improvements

Requirements

Essential

• At least 1 year's experience in banking, mortgages, lending, a credit union, conveyancing or legal work, or another financial services setting
• Strong attention to detail and accuracy in document review and record keeping
• Comfort working in a structured, process-driven environment with SLAs and tight deadlines
• Excellent written and verbal communication, with the ability to deal professionally with brokers, solicitors, customers and internal teams
• Strong organisational skills, with the ability to prioritise a varied workload
• Ability to work independently and as part of a team
• Good MS Office skills, especially Excel and Outlook
• Leaving Certificate or equivalent
• Availability to start at short notice and to work onsite in Maynooth five days a week

Desirable

• Knowledge of the mortgage lifecycle, from application through to drawdown and servicing
• Experience reading and interpreting legal documents, title deeds or solicitor undertakings
• Working knowledge of the conveyancing process
• Experience of customer contact in financial services, including complaints or customers in financial difficulty
• Awareness of the CCMA, the Consumer Protection Code (CPC), GDPR and Central Bank of Ireland requirements
• QFA or APA (Loans), completed or in progress
• Third-level qualification
• Experience of mortgage processing or loan servicing systems

Why apply

• Hands-on experience across the full mortgage lifecycle
• A strong addition to any banking or financial services CV
• Ongoing company and regulatory training
• Fast hiring process, usually with immediate starts

How to apply

Send your CV to Matthew Moan at Cpl: [email protected].

If you're not available right now, send your CV anyway. Roles open regularly, and I'll contact you when the right team is hiring.