Mortgage Underwriting Lead

Job description

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!

Extra information

Status

Open

Education Level

Secondary School

Location

Manchester Area

Type of Contract

Casual / Part Time Jobs

Published at

19-12-2025

Profession type

Accountancy

Full UK/EU driving license preferred

No

Car Preferred

No

Must be eligible to work in the EU

No

Cover Letter Required

No

Languages

English