Mortgage Underwriting Lead in Manchester

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Executive & Senior leadership Recruitment | Legal, Risk, Compliance | Banking, Financial Services

Location: Manchester

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
• 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!

Seniority level

Mid-Senior level

Employment type

Full-time

Job function

• Finance and Other
• Financial Services and Real Estate

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