Senior Commercial Underwriter

Do you want to see the impact your work really makes?

With us, you can. You’ll be joining a team that sits at the heart of the commercial success of YBS Commercial Mortgages, where strong underwriting judgement, leadership and influence genuinely shape outcomes. If you’re looking for a senior role where your expertise is valued, your voice is heard, and you can broaden your leadership impact, this could be the opportunity for you.

About the role

This is a senior, highprofile underwriting role with a clear leadership component. You’ll underwrite highervalue and complex lending cases within your personal mandate, using sound judgement and a pragmatic approach while operating firmly within YBS Risk Appetite. This includes presenting cases outside mandate to Credit Committee and supporting decisionmaking at senior forums.

You’ll assess and approve a wide range of commercial mortgage transactionscommercial investment, corporate buytolet and owneroccupied lendingwhile contributing to the ongoing evolution of lending policy and propositions to ensure risks are clearly understood and well managed.

Alongside underwriting, the role provides real opportunity for people leadership. You’ll help develop, coach and mentor lessexperienced underwriters, offering technical guidance, quality assurance and daytoday support to build capability across the team.

You’ll work closely with the Lead Underwriter, acting as deputy when required, supporting strategic initiatives, change activity and continuous improvement. This includes acting as a point of escalation, representing the team, and maintaining strong oversight of credit quality and decisionmaking standards.

You’ll have autonomy in your decisions while partnering with relationship management, portfolio management and wider commercial teams to provide independent underwriting and risk insight. In addition to new lending, you’ll support inlife credit matters, working collaboratively to manage risk across the existing portfolio.

Please Note: Most of the team are based in Leeds, however we operate on a hybrid basis. You can be based anywhere in the UK, with an expectation of some travel as required.

About you

You’ll have proven experience underwriting corporate buytolet and commercial investment transactions and will have previously held a commercial lending mandate. You may be looking for a senior move, a broader leadership role, or the next step in your underwriting career. In addition, you’ll bring:

• Strong attention to detail and sound credit judgement
• Experience underwriting complex cases, with the ability to cut through complexity and make clear, wellreasoned decisions
• Excellent communication skills, with the confidence to challenge constructively