The opportunity you've been waiting for
Every lending application tells a story about risk. This role is about reading that story well and making the call.
A UK financial institution is looking for a Commercial Underwriter to take fully packaged commercial and complex residential cases from receipt through to offer. You'll hold your own lending mandate, report to the Head of Underwriting, and sit where distribution, operations and credit risk meet.
If you have sound credit judgement and want it to carry real weight, this is worth a closer look.
How you'll make your mark
Key deliverables
- Assess complex and non-complex commercial mortgage applications in line with lending policy, criteria and risk appetite.
- Decision overdraft applications with the same rigour and consistency.
- Approve cases within your individual mandate, and under an underwriting mandate and delegate.
- Refer cases beyond your authority to the right mandate holder, with a clear recommendation and the reasoning behind it.
- Appraise valuation reports and judge what they mean for the security and the lending decision.
- Carry out case reviews for existing clients.
- Run your own pipeline to agreed service levels, requesting further information wherever it sharpens the risk assessment.
- Explain decisions clearly to the Head of Commercial, distribution teams, the Head of Operations and the completions team.
What you bring
- Mortgage underwriting experience with strong credit risk capability, including decisioning commercial and complex residential cases.
- Commercial lending experience and a working knowledge of the commercial sector.
- Current knowledge of the UK mortgage and overdraft regulatory environment.
- Analytical depth, commercial awareness and confident decision-making.
- Clear, precise writing. Your rationale will be read by the people who make the next decision.
- The confidence to challenge information and escalate risk when it matters.
- Organisation and attention to detail that hold up when priorities compete.
- An eye for how the process could work better.
What's in it for you
- A personal lending mandate and genuine ownership of your decisions.
- A varied caseload spanning commercial mortgages, overdrafts and complex residential lending.
- Close working relationships across commercial, distribution, operations and completions.
- Ongoing training and competency support to keep your skills and accreditation current.
- A team that values simplicity, doing the right thing and working as one.
Salary, benefits and working arrangements are shared in full at the first conversation.
A bit more about the organisation
This is a UK financial institution with a customer-led approach and a lending offer that covers both residential and commercial clients.
It keeps things straightforward, embraces new ideas and expects its people to do the right thing. Commercial underwriting is central to its strategy, and this role strengthens the team that delivers it.
Denholm's take
Underwriting roles that combine a personal mandate with genuine commercial complexity are worth paying attention to. This one has both, inside an organisation that is clear about how it wants to work.
If you know credit and want your judgement to count, let's talk. Every conversation is confidential.
