Completions Officer

Completions Officer – 1st Charge Specialist Mortgages Direct Specialist Lender The role This role sits within a direct 1st charge specialist mortgage lender, responsible for progressing cases from offer through to completion. As part of the lender’s in-house completions function, you will play a critical role in ensuring lending decisions are executed accurately, compliantly, and in line with agreed credit terms. You’ll manage completions end to end, acting as the lender’s final control point before funds are released. This requires strong technical knowledge, sound judgement, and the confidence to engage directly with solicitors, brokers, and internal underwriting colleagues to protect the lender’s position while delivering fair customer outcomes. This is a lender-side role with real accountability — not a transactional servicing or outsourced processing position. Why this role stands out Direct lender environment – working within the business that holds the credit risk and makes the lending decisions Specialist 1st charge portfolio – exposure to non-standard cases where completions quality directly impacts risk Clear ownership and authority – responsibility for signing off completion readiness, not simply coordinating paperwork Close alignment with underwriting – regular interaction with credit and risk teams Quality over volume – focus on accuracy, compliance, and audit integrity rather than throughput alone This role suits professionals who want to be trusted as part of the lender’s control framework. Key responsibilities Manage a pipeline of 1st charge specialist mortgage completions from offer to drawdown Act as the lender’s point of contact with solicitors, conveyancers, brokers, and borrowers Review Certificates of Title and confirm all lender conditions precedent are satisfied Coordinate and authorise fund releases in line with credit approval and completion dates Complete final lender-side checks including insurance, deeds, searches, undertakings, and solicitor requirements Ensure completions fully comply with FCA regulation, internal credit policy, and lending criteria Maintain accurate case records and defensible audit trails Identify and resolve completion risks or delays, escalating where appropriate Contribute to ongoing improvements in lender controls, processes, and service standards Experience and knowledge required Essential: Experience in mortgage completions, post-offer processing, or conveyancing within a lender or specialist lending environment Strong understanding of 1st charge mortgage products and legal completion mechanics Knowledge of lender-side completion requirements and risk controls High attention to detail with the ability to manage competing completion deadlines Confidence engaging directly with solicitors and brokers on behalf of a lender Desirable: Experience within specialist, complex, or adverse credit lending Practical understanding of FCA requirements and Treating Customers Fairly from a lender perspective Familiarity with mortgage origination or case management systems Personal qualities Structured, disciplined, and detail-driven Comfortable taking ownership of completion decisions Calm and pragmatic when managing time-sensitive or complex cases Risk-aware with a strong customer outcomes mindset Collaborative, with the confidence to challenge where required If you're interested in exploring this opportunity further then please reach out to Charlotte Walker at Fintelligent today or share your CV for immediate consideration