Job Title : Mortgage Underwriting Lead - Credit
Location : Manchester
Salary : £70,000 - £80,000 neg + Bonus + Banking Benefits
Role Overview
Exciting and newly created leadership opportunity for experienced credit / underwriting professional to join award winning UK Bank. You will be the face of underwriting for the bank with excellent stakeholder engagement skills, managing a team of 12 senior specialist mortgage underwriters. The role is suited to an individual who enjoys working at pace and with a credit background and mindset. Background in specialist residential and buy-to-let sectors.
Key Responsibilities
* Lead and develop a team of specialist underwriters handling high-value and complex mortgage applications
* Structuring and checking complex deals
* Manage underwriting decisions for exposures up to £10 million
* Own delegated underwriting authority and ensure adherence to lending policy and risk frameworks
* Manage mandate frameworks that support responsible lending across specialist residential and buy-to-let sectors
* Deliver strong technical capability within the first line, able to assess relevant areas of portfolio lending, corporate financials and property credit risk
* Act as escalation point for exceptions, appeals, and loan restructuring
* Protect the bank from unexpected bad debt through responsible lending practices
* Build strong relationships with distribution partners and external brokers
* Optimize underwriting KPIs and processes to enhance broker and customer experience
* Monitor bad debt drivers and work with partner teams to strengthen controls
* Partner with credit risk teams to develop and refine credit policy
Essential Experience
* Proven leadership in property credit underwriting
* Strong credit function and operational management background
* Experience shaping risk and credit policy
* Commercially minded with analytical decision-making skills
* Excellent communication skills and regulatory knowledge
* Track record of developing talent and leading high-performing teams
Regulatory : This is a Conduct role under SMCR requiring background checks.
If you think this is the role for you, please apply now!
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