Senior Credit Underwriter

The Rol

eLocation
:
North West (Hybrid

)Position
:
Permanen

g
Help Build a New Secured Lending Capability from the Ground

UpWe are seeking an experienced Underwriting Mobilisation Lead / Senior Underwrit
er to design, implement, and embed the underwriting capability required to launch and scale a new Commercial Real Estate (CRE) secured lending propositio

n.This is a unique opportunity for a senior underwriting professional who enjoys building operating models rather than simply maintaining them. You will work at the heart of a major mobilization programme—designing underwriting frameworks, governance, controls, processes, and future-state capabilities to support a expanding secured lending busines

s.By the end of the initial mobilization, you will have established a fully functioning underwriting operation, transferred knowledge into permanent teams, and laid the foundations for long-term growt

• ing Build the Underwriting Operating Mod
  el:
  Design the target operating model for secured lending. Define roles, responsibilities, governance structures, delegated authorities, and clear hand-offs across Origination, Credit, Operations, and Ri
• sk.
  
  Develop Underwriting Standards & Governan
  ce:
  Design and implement underwriting frameworks, delegated lending authorities, policy exception management, and quality assurance/file review process
• es.
  
  Support Mobilisation & Launch Readine
  ss:
  Document end-to-end underwriting procedures and guidance. Support operational readiness, define go-live criteria, and embed controls ahead of laun
• ch.
  
  Shape Automated Underwriting Capabiliti
  es:
  Define future-state decision rules, workflows, and automated underwriting requirements in collaboration with Data and Technology tea
• ms.
  
  Establish MI & Management Framewor
  ks:
  Design underwriting performance reporting, governance packs, and first-line control monitoring frameworks to provide leadership with clear operational insigh
• ts.
  
  Build Capability for the Futu
  re:
  Support recruitment, create training materials, and coach permanent team members to deliver a structured handover into the business-as-usual (BAU) functi

• For Deep Underwriting Experti
  se:
  Extensive experience within commercial real estate (CRE), specialist lending, or secured lending environmen
• ts.
  
  Operating Model & Governance Desi
  gn:
  Proven track record in designing and implementing underwriting frameworks, delegated authorities, and QA process
• es.
  
  Proposition Launch Experien
  ce:
  Experience supporting the launch of new lending products or business transformations within challenger banks, specialist lenders, or commercial finance institutio
• ns.
  
  Stakeholder Manageme
  nt:
  Ability to collaborate seamlessly across Risk, Operations, Technology, and Commercial tea
• ms.
  
  Pragmatic & Delivery-Focus
  ed: A hands-on approach with a passion for creating structure out of ambiguity and building scalable capabiliti

• fer Competitive base salary plus a flexible cash benefit allowance (e.g., 7.5% to use toward pension, private medical, or take-home pa
• y).26 days holi
  day + bank holidays (increasing with service, plus buy/sell option
• s).Hybrid & Flexible Work
  ing optio
• ns.
  
  Comprehensive wellbeing support, including a 24/7 GP service and wellness programm
• es.
  
  Dedicated learning and development budgets and resourc

es.

Equal Opportunity

Employer:

We welcome applications from all backgrounds and are committed to creating an inclusive, accessible environment for all candidat