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Mortgage account agent jobs offer an exciting role in an industry that continues to grow in the UK. You may be working for a bank or an independent agency, with mortgage account agent employers existing from small, private businesses to large, multi-national giants. The role involves various duties, requiring both strong business and numerical skills and good customer-relations abilities. You will be providing mortgage advisor to clients depending on their needs and will therefore require excellent communications skills. Keep reading to learn more about working as a mortgage account agent, including average salaries and possible career paths.
Mortgage account agent jobs focus on helping clients find a suitable mortgage for them, regarding issues such as their housing needs and income. You will likely be working with clients at varying stages of the process, from signing new clients, to monitoring their process and answering any questions they may have. You will likely be working mostly in an office, but there may be regular need for you to make visits to clients.
The role will focus on helping clients find the very best mortgage for them. You will be expected to be able to provide clear, in-depth knowledge of different mortgages, as well as details regarding repayments and protection. Depending on the mortgage account agent employer you work for, you may also be required to sell life and hone insurance products, as well as meet monthly/quarterly sales targets. There will be lots of admin-related work involved, and you will need to ensure you always keep accurate records of everything you do.
A university degree is not always required for mortgage account agent jobs. However, many large organisation now require this, particularly those offering valuable graduate schemes. Whilst your degree may be in anything, those in related subjects such as business or economics are favoured. There are also a number of professional qualifications that are accepted for mortgage account agent jobs, this include an FCA approved Certificate in Mortgage Advice and Practice and a Certificate in Mortgage Advice offered by the Charted Insurance Institute.
Regarding skill sets that are important for this role, mortgage account agent employers will be looking for candidates with the following:
- Excellent communications and customer service skills
- Ability to explain complex subjects clearly and easily
- Determination and desire to meet sales targets
- Good IT skills
- Strong time/project management skills, including ability to multi-task
Mortgage account agent jobs can offer excellent career prospects. The industry is well established and continues to show growth despite the obvious change to a more digital way of working. Once you have gained some experience, you will be able to move towards more senior-level positions, including mid-level management. Furthermore, there are a number of professional qualifications you can attain which will increase your salary and further open opportunities for promotion.
There are also various associated sectors that you could move into, including financial controller and wealth management positions. Starting salaries for mortgage account agent jobs are generally around £22,000 to £25,000. Once you have gained experience, you can expect your salary to rise to between £40,000 to £60,000, including commission. From here, salaries can rise even higher for senior-management roles.
Working as a mortgage account agent can be demanding. You will often have a high workload, including tight deadlines. Your work will always need to be of the highest quality, and you will be required to always be up to date with related financial regulations. The admin side of accounting can also be an issue for some, with the need to spend large parts of the day sat in front of a computer.
However, mortgage account agent jobs offer an excellent opportunity to develop a rewarding career in a growing industry. You will learn many new skills that will help you develop, and salaries remain above the national average. There are good, clear career paths, with roles found across a variety of sectors and in most towns and cities in the UK.