Commercial Mortgage Underwriting Manager

ZipRecruiter; London; Hybrid; GBP 100,000 - 150,000; Full time

Job summary

Join a leading property finance lender as a Commercial Mortgage Underwriting Manager. Lead the rollout of a new division, shape credit strategy, and mentor a high-performing team while enjoying a competitive salary and hybrid working options. This role offers the chance to shape one of the UK's exciting commercial lending growth stories.

Benefits

Hybrid working

Clear route into Head of Commercial Underwriting

Influence at strategic level

Opportunity for significant impact in a high-growth business

Qualifications

• Experience at a lender or bank offering commercial term mortgages is essential.
• Proven track record underwriting owner-occupied and investment property loans.
• Management experience preferred but high-performing Senior Underwriters will be considered.

Responsibilities

• Underwrite commercial term mortgage loans from application to completion.
• Manage relationships with brokers and solicitors.
• Mentor underwriters and build a high-performance team.

Skills

Commercial acumen

Risk assessment

Deal structuring

Communication

Problem solving

Job description

Job Description

Lead and Build a High-Performing Commercial Mortgage Underwriting Team

Shape credit strategy, drive decisions, and help launch a high-impact division.

A well-established and award-winning property finance lender is expanding into the Commercial Mortgage space — and we’re looking for a Commercial Mortgage Underwriting Manager to lead from the front.

This is a rare opportunity to join a business known for its speed, service, and broker relationships — and to take ownership of building the commercial lending division from the ground up.

Whether you're an experienced manager or a Senior Underwriter ready to step into leadership, this role offers autonomy, influence, and the chance to make a significant mark.

About the Business

Our client is a fast-growing, specialist property finance lender with a reputation for excellence across the bridging and buy-to-let markets. With strong funding lines and a dynamic leadership team, they’re now launching their Commercial Mortgage offering — and you’ll be instrumental in that journey.

The Commercial Mortgage Underwriting Manager Role

You’ll lead underwriting on complex commercial mortgage applications, manage relationships with brokers and solicitors, and shape the wider credit function. As the division grows, you’ll play a key role in mentoring underwriters and building a high-performance team.

This is a front-foot leadership role — strategic, collaborative, and high-impact.

Commercial Mortgage Underwriting Manager Key Responsibilities

• Underwrite commercial term mortgage loans from application to completion
• Make confident, high-value credit decisions within personal mandate
• Present complex or high-risk cases to credit committee
• Assess risk across various asset types (investment and owner-occupied)
• Collaborate with brokers, valuers, solicitors, and internal teams
• Develop and refine credit policy, lending appetite, and process improvements
• Manage and mentor a growing team of underwriters (team leadership experience )

Who We’re Looking For

• Experience at a lender or bank offering commercial term mortgages (essential)
• Proven track record underwriting owner-occupied and investment property loans
• Personal mandate (£500k–£1m+) or credit committee experience
• Strong commercial acumen, risk assessment, and deal structuring skills
• Confident communicator and decisive problem solver
• Experience managing an underwriting team is — but we will also consider a high-performing Senior Underwriter ready to step up into management

What’s on Offer

• Salary DOE (c. £100k+)
• Hybrid working with a supportive, ambitious culture
• Clear route into a Head of Commercial Underwriting role
• Influence at strategic level — your voice will help shape a new division
• Opportunity to make your mark in a high-growth, well-funded business

Why Apply?

If you’re ready to step out of the shadows, frustrated with red tape, and hungry to build something meaningful — this is your opportunity. You’ll shape the credit strategy, lead a talented team, and be at the forefront of one of the UK’s most exciting commercial lending growth stories.