"Using smaller lenders doesn’t mean your case will fall into a black hole and not been seen again for two months."
We spoke to Emily Smith, national account manager at Hinckley & Rugby Building Society, about the benefits of using a smaller lender and why knowing what your USPs are is essential.
FR: What area do you cover?
It’s the whole of England and Wales, but my primary focus is visiting the Society’s key accounts and maintaining our relationships with mortgage clubs and networks. We have an excellent telephone support team at our Hinckley head office, to whom advisers can speak about any complex or unusual new business enquiries.
FR: If you had one ‘top tip’ for life as a BDM, what would it be?
Know what sets you apart from your competitors. Working for a smaller lender I often talk to advisers who haven’t used us before, so knowing what your USPs are is essential. This tip isn’t just relevant to BDMs of smaller lenders but any BDM in a market continuing to become more competitive.
FR: How do you pass the time on the road - books, podcasts, audiobooks?
When I’m driving, Spotify is a must. I have about 20 different music playlists saved that cover all my different moods.
FR: What’s one thing you wish all brokers knew?
That using smaller lenders doesn’t mean your case will fall into a black hole and not been seen again for two months. Just like at any lender, there can be challenges at times of peak demand. But at our best we can produce an offer within 15 working days.
FR: A quick email on Monday or a phone call in the afternoons - how can brokers contact you?
Emails are better for me as I’m often in meetings, but calls are also always welcome. If you do have to leave a voicemail message, I aim to call you back the same day.
FR: And lastly - what’s your favourite place to stop for a coffee when you’re between meetings?
I’m not fussy when it comes to coffee. As long as it’s got caffeine in it, then I’m good.