Underwriting Lead

Are you ready to lead from the front in a pivotal role that blends technical expertise leadership and strategic influence

Were looking for a Underwriting Lead to lead and develop a team of specialist mortgage underwriters delivering profitable growth across the property portfolio. This role ensures underwriting excellence adherence to risk appetite and alignment with business strategy while maintaining strong broker and customer relationships.

What will your day look like

Reporting to the Property Operations Manager youll:

• Lead and develop a team of expert underwriters handling high-value and complex mortgage applications.
• Manage mandate frameworks that ensure responsible lending across specialist residential and buy-to-let sectors.
• Provide first-line technical capability across portfolio lending corporate financials and property credit risk.
• Take ownership of delegated underwriting authority ensuring decisions align with our Lending Policy and Group Risk Appetite.
• Act as the go-to escalation point for new business exceptions appeals and loan restructuring.
• Build strong trusted relationships with brokers distribution partners and internal teams.
• Drive underwriting KPIs to reinforce our proposition as a leading specialist lender.
• Identify and mitigate bad debt drivers working with partner teams to enhance controls.
• Collaborate with credit risk partners to refine and evolve credit policy.

What do we expect from you

Youll bring a blend of leadership technical depth and commercial acumen to the role including:

• Proven leadership experience in property credit underwriting.
• Strong credit function and operational management expertise.
• A track record in shaping risk and credit policy.
• Commercially minded with analytical decision-making skills.
• Confident communicator with regulatory knowledge.
• A people leader who develops talent and inspires high-performing teams.

What can you expect from us

• Hybrid working policy (3 days onsite in Manchester and 2 days at home)
• Competitive salary and a great range of core benefits including 10% pension 30 days holiday and annual bonus
• A friendly and flexible culture the same as how we work with our customers
• A growing organisation that means theres lots of opportunities to progress
• A drive for continuous improvement which you will be empowered to get behind from day one

Let us tell you a bit about us

Were Aldermore the award-winning bank trusted and highly rated by over a quarter of a million customers for more than a decade. With our range of specialist mortgages savings accounts and business finance solutions were backing more people to go for it.

We thrive by saying yes to our customers. We respect the ingenuity of entrepreneurs and their startups; we give first-timers a leg-up onto the property ladder; we open up the lending market to many; and thousands of customers chose MotoNovo Finance every week to buy their next car van or motorbike.

This is where you come in. We are on a journey. A journey defined by a destination; to deliver on our purpose.

Still curious

Join us and well make the same promises to you as a colleague as we do to each of our customers. Were committed to building a working environment that values respect diversity and compassion. We welcome people regardless of age disability gender identity marital status race faith or belief sexual orientation socioeconomic background and whether youre pregnant or on family leave.

Please note: we have a thorough screening and referencing process which includes criminal record checks

We champion equality by supporting the exceptions to the rule and getting finance to where its needed.

We lend the money people save with us to people who want to get on in life; build businesses and create employment buy property for people to live and work in and purchase vehicles to move families and goods around.