Mortgage & Protection Adviser | Clayton-le-Moors | Retention Book

Established Financial Services Business — Permanent, Employed Route with Strong Client Trust Assets.

The Career Opportunity

Are you a proactive broker searching for high-intent Mortgage Adviser jobs Lancashire hubs support? An established financial services business is looking for an organized professional to inherit and manage a substantial, warm client bank in Clayton-le-Moors.

This is entirely distinct from standard cold-calling or self-generation heavy vacancies. The practice holds a massive retention book comprised of loyal customers who have previously structured mortgages and protection policies through the firm. Due to shifting market conditions, a continuous stream of these clients requires expert remortgage advice, rate reviews, and updated protection portfolio configurations. If you are a methodical adviser looking to secure a robust pipeline from day one without marketing friction, this infrastructure provides the ultimate home.

Core Duties & Advisory Responsibilities

As the dedicated relationship manager inside this high-converting remortgage broker vacancies track, you will lead proactive outreach execution:

• Back-Book Analysis: Systematically audit the existing client database to map out upcoming mortgage maturities and deal expiry timelines.
• Proactive Engagement: Connect with established clients well ahead of their scheduled review dates to secure relationship retention.
• Compliant Advisory: Provide whole-of-market, compliant mortgage and protection advice matching each client's specific financial situation.
• Insurance Injections: Review historical protection frameworks, identifying potential insurance gaps to construct comprehensive life, critical illness, and income coverage.
• Lifecycle Management: Manage cases cleanly from initial maturity review right through to full administrative completion.
• Pragmatic Record Keeping: Maintain pristine client files in strict alignment with internal compliance frameworks and modern regulatory manual guidelines.

Package, Bonus Targets & Validation Matrix

The reward structure is intentionally calibrated to recognize the relationship-driven nature of managing an embedded back book:

• Employed Baseline: Competitive basic salary, scaled completely to match your practical industry expertise.
• Low Validation Threshold: The position features an accessible 3x basic salary validation target, reflecting the warm nature of the client accounts provided.
• High uncapped Bonus: Once your baseline validation level is surpassed, you directly retain a 30% bonus split on all commission written above that figure.

Candidate Experience & Technical Requirements

To preserve client trust across this active Lancashire mortgage network, ideal candidates should verify:

• Industry Credentials: Full holding of the CeMAP qualification or a verified equivalent benchmark recognized directly by the FCA.
• Advisory History: Prior experience providing regulated mortgage advice, with particular speed and competency handling remortgages and protection products.
• Pipeline Organisation: Exceptional diary-management capabilities and the proactive mindset required to handle a busy client matrix ahead of fixed expiry deadlines.
• Retention Awareness: High commercial fluency maximizing lifetime client values through elite customer service, open communication, and relationship tracking. Experience directly servicing a mortgage retention book is highly desirable.