Join us

We are constantly evolving as an organisation to meet the demands of the future. So whether you are looking for a Customer Service or Mortgage Adviser role in one of our branches or a Head Office position, we’d love to hear from you.

You can email your current CV and covering letter to us at mail@scottishbs.co.uk

SBS Staff
Some of the SBS team with our mascot, Hamish at Murrayfield during our annual conference

Current Vacancies

Collections and Recoveries Manager, Edinburgh

We're looking for a Collections and Recoveries Manager to join the team in our Edinburgh Head Office.

Collections and Recoveries Manager       

Edinburgh

Salary Band £25k to £35k

Full time  

Job purpose: Responsible for the serious arrears accounts and working with borrowers to agree appropriate repayment plans with a view to achieving best borrower outcomes.  Provide assistance with payment shortfall accounts.  Responsible for making key decisions on arrears cases from initial arrears to the more serious arrears cases, including long term financial difficulties and litigation cases.

Key responsibilities:

  • Work with borrowers in payment shortfall to develop solutions that will achieve the best borrower outcome and that for the Society.
  • Deal with enquiries from borrowers in serious arrears including processing of payments in line with procedures.
  • Review circumstances of borrowers in arrears and agree appropriate repayment plans in line with the Society’s Forbearance, Conduct and Vulnerable Customer policies.
  • Treat all customers fairly, professionally and act in line with regulatory requirements and protocols for borrowers in financial difficulty.
  • Maintain direct contact with borrowers across the whole mortgage portfolio using the appropriate medium for the borrowers and upkeep records of customer contact in line with the Society’s Financial Difficulties policy and procedures.
  • Ensure all account records are maintained up to date – address/contact details/bank details, ensuring any fees charged are appropriate and processed in line with Society policy.
  • Maintain details of concessions and arrangements agreed on mortgage accounts, to allow accurate reporting.
  • Deal with month end reports to include unpaid direct debits, arrears letters and arrears reports in line with Society processes and procedures.
  • Maintain knowledge of mortgage litigation & recovery process, with the responsibility for the issue of communication & assembling files for any enforcement action.
  • Liaise with solicitors, debt advice agencies and take legal action when agreed by Head of Lending and Lending Manager.
  • Management of Properties in possession, to include arranging repairs, marketing & liaising with Head of Lending or Lending Manager.
  • Provide Management Information to Head of Lending in respect of accounts in arrears as and when required.
  • Completion and review of the following reports: MLAR, UK Finance, PSDP in respect of arrears reporting.
  • Identify and maintain an at risk register.
  • Preparation and issue of Quarterly arrears statements.
  • Timeous production of papers/reports for Retail Credit Committee and presentation at RCC meeting.
  • Manage end of term and interest only contact strategies on a day to day basis while reporting to Head of Lending.
  • Provide any assistance as necessary to the Arrears Assistant in respect of payment shortfall accounts.
  • Responsible for maintaining and updating Arrears guidance manuals.
  • Assist Head of Lending and Lending Manager with any ad hoc requirements as necessary.

This list is not exhaustive and the post holder is expected to carry out any other tasks that are required to fulfil the needs of the role.  Management may add or subtract from the list of duties in order to meet the need of the business as they see fit and as per the terms and conditions of contract.

Qualifications :

  • CeMAP or equivalent

Experience required :

  • Ability to deal with borrowers in difficult situations
  • Ability to hold difficult conversations with borrowers in financial difficulty
  • Proven experience in TCF & Customer vulnerability
  • Proven experience/knowledge of early arrears processes and procedures.
  • Proven experience/knowledge of serious arrears procedures and processes
  • Proven experience in customer service.
  • Proven experience in decision making.

Skills :

  • Excellent communication skills.
  • Proven decision making skills.  
  • Organisational skills.

If you would like to work for a company that really cares about its staff and customers; if you want to make a real impact and if you have a can do attitude, then we would like to hear from you.

Email your CV and covering letter to mail@scottishbs.co.uk

Branch Assistant, Edinburgh

Full time: Monday to Friday, 9am to 5pm

Salary Band: £18k to £24k

Job purpose:

To deliver a first class service to our customers/members and administration support to our network agents and internal departments

Key responsibilities:

Counter Service

  • Provision of excellent customer service
  • Pro-actively delivering the Society’s Loyalty Promises
  • Efficiently and effectively actioning customer queries and requests
  • Efficiently and effectively actioning any customer concerns
  • Efficiently and professionally dealing with counter transactions including the opening on new accounts
  • Accurate cash handling
  • Adherence to Branch security measures

Savings

  • Account maintenance including transfers, cheque requests and Faster Payments, opening and closing accounts and processing Bond maturities
  • Power of attorney and deceased customers
  • Actioning incoming and outgoing mail
  • Processing agency sheets

Mortgages

New Mortgages:

  • Input application data
  • Package mortgage cases once all data is received including checking documentation against Society requirements
  • Transfer of completed mortgages on to Summit

Existing Mortgage Accounts:

  • Refer matters relating to customers experiencing financial difficulty
  • Dealing with arrears under 2 months
  • Processing ‘consent to let’ information
  • Action product switches
  • Action redemption requests
  • Processing paperwork for title deed variations
  • Process closing posting sheets 

Other

  • Professionally respond to enquiries from Agents, mortgage brokers  and any other business contacts
  • General office duties
  • Project work or testing  as required
  • Participate in the training and mentoring of colleagues

This list is not exhaustive and the post holder is expected to carry out any other tasks that are required to fulfil the needs of the role.  Management may add or subtract from the list of duties in order to meet the need of the business as they see fit and as per the terms and conditions of contract.

Qualifications:

  • Preferably educated to Higher Level or equivalent

Experience required:

  • Working in a Customer Service environment
  • Previous experience of working with Microsoft Office
  • Mortgage Processing (desirable)

Skills:

  • Accuracy and attention to detail
  • Ability to work effectively in a team environment
  • Excellent numeric abilities
  • Good listening skills
  • Good verbal and written communication skills
  • Customer service orientation
  • Problem solving
  • Honesty and integrity

If you would like to work for a company that really cares about its staff and customers; if you want to make a real impact and if you have a can do attitude, then we would like to hear from you.

Email your CV and covering letter to mail@scottishbs.co.uk

 

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New Saver Enquiries

0345 600 0585

New Mortgage Enquiries

0345 600 4085

Existing Member Enquiries

To talk to us about an existing savings or mortgage account, contact your local office

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