Lead, Complex Mortgage Recoveries - Hybrid Role

Castle Trust Group; Basingstoke; Hybride; GBP 65 000 - 90 000; Plein temps

Avantages offerts par ce poste

Annual performance‑related bonus

Generous contributory pension scheme

Life assurance

25 days’ annual leave + bank holidays

Volunteer day

Healthcare benefits

Employee assistance programme

Eye‑test vouchers

Discounted gym membership

Season‑ticket travel loans

Résumé du poste

Castle Trust Bank is seeking an experienced Mortgage Recoveries Manager to lead a portfolio of complex mortgage and bridging cases. You will assess borrower circumstances, develop recovery strategies and coordinate with advisers and internal stakeholders to achieve fair and commercially effective outcomes.

You will own cases from arrears through to enforcement when needed, including restructurings, refinancing and settlements, with involvement in litigation and asset realisation as required.

Qualifications

• Proven capability and experience within UK mortgage arrears, defaults or recoveries.
• Knowledge of recovery strategies: restructurings, refinancings and settlements.
• Ability to analyse borrower finances and property security.
• Strong commercial judgement balancing customer outcomes with credit losses.
• Experience preparing case recommendations and impairment assessments.

Responsabilités

• Manage a portfolio of complex mortgage arrears and recoveries cases from early difficulty to resolution.
• Assess borrower finances, security and repayment capacity to determine recovery strategy.
• Deliver tailored solutions including repayment plans, restructurings and settlements.
• Oversee enforcement activity such as litigation, insolvency, receivership and asset realisation.
• Collaborate with customers, solicitors, valuers and advisers to achieve outcomes.
• Prepare recommendations and reporting on high‑risk and non‑performing cases.
• Ensure activity complies with Consumer Duty, regulatory requirements and arrears standards.

Connaissances

Mortgage arrears recoveries

UK mortgage regulations

Negotiated settlements

Litigation support

Stakeholder management

Credit risk awareness

Financial analysis

Description du poste

Castle Trust Bank is seeking an experienced Mortgage Recoveries Manager to lead a portfolio of complex mortgage and bridging cases. You will assess borrower circumstances, develop recovery strategies and coordinate with advisers and internal stakeholders to achieve fair and commercially effective outcomes.

You will own cases from arrears through to enforcement when needed, including restructurings, refinancing and settlements, with involvement in litigation and asset realisation as required.