Benefits
* 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
* Free access to company holiday homes
* Buy & sell holidays
* Discretionary annual bonus plus an additional Shared Reward Bonus
* Matched pension contribution
* Health cash plan plus Private medical insurance
* Life assurance and Critical illness cover
* Travel season ticket loans and Ride to work scheme
* Free local gym access
* Local bar / restaurant discounts
Company Description
We’re Together. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.
We take the time to understand our customers and our door is always open, so we can often help when other lenders can’t or won’t. Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.
Job Description
As a Corporate Underwriting Director, you will manage our high performing Corporate Lending Team; responsible for assessing, underwriting and managing multiple large value and complex corporate real estate transactions, some of which will be experiencing challenges around servicing loans, security risks and/or exit risks, and therefore a good level of experience in real estate lending would be essential.
We are looking for someone to:
* Lead, mentor, and develop a high-performing team of corporate real estate underwriters; foster a culture of accountability, collaboration, and continuous improvement within the team
* Oversee the end-to-end underwriting process for large, complex commercial real estate transactions, including investment and development lending, across multiple asset classes
* Ensure underwriting standards, credit policies, and risk appetite frameworks are applied consistently and effectively
* Review and challenge financial models, cash flow analysis, borrower financial strength, asset valuations, and covenant structures
* Work closely with key stakeholders to structure loan packages, including terms, collateral, and covenants that balance customer need and business need; making recommendations on loan terms, interest rates and credit limits based on risk assessment
* Lead underwriting discussions in credit committee meetings, offering insights and recommendations based on in-depth financial evaluations
* Contribute to the ongoing development of credit risk frameworks, underwriting policies, and lending strategy
* Support strategic initiatives, including product development, process improvement, and regulatory change projects
Qualifications
Essential
* Extensive experience of corporate real estate underwriting, ideally within a bank or specialist lender
* Strong technical credit skills with proven expertise in structuring and underwriting large, complex real estate transactions
* Deep understanding of financial statements, credit risk assessment, and loan structuring for corporate clients
* Demonstrated leadership experience managing and developing underwriting teams
* Excellent decision-making abilities with sound judgment in high-value credit transactions
* Excellent knowledge of real estate market dynamics, asset classes, and lending structures
* Strong stakeholder management, negotiation, and communication skills with the ability to build strong and respectful relationships
Additional Information
Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference – we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.
If you feel you’d benefit from any support or reasonable adjustments during any stage of the recruitment process, please don’t hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.
Recruitment Process
Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.
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