Commercial Lending Underwriter

Commercial Lending Underwriter

Commercial Lending Underwriter

Do you want to see the impact your work makes?

With us you can, because you ll be joining a team that has a direct impact on the success of YBS Commercial Mortgages. So, if you want a role where your expertise is truly valued and where you can see the positive impacts of your work then you should read on.

About the role

We have some ambitious growth plans for Commercial Lending following on our success, but we need to ensure that these plans are delivered responsibly, which is where a talented Underwriter like you comes in.

In this role you ll get hands on and underwrite cases in a diligent manner within your personal lending mandate, taking a can-do approach whilst also adhering to YBS Risk Appetite,





policy and strategy. You will also apply your credit assessment skills to assessing borrowing requests outside of your personal mandate presenting your recommendations to senior credit underwriters.

This is a dynamic role, where you ll get the opportunity to assess and approve a wide range of commercial mortgage types, including commercial investment to corporate buy-to-let and commercial owner occupied, and play a key role in the continued success of YBS Commercial Lending.

You ll be empowered to make your own decisions, as well as partner closely with lending managers to ensure that they have appropriate support and independent risk and underwriting advice that enables us to deliver on YBS Commercial s aspirations whilst also ensuring we make robust lending decisions.

You won t just be looking at new proposals, you ll also work closely with our portfolio management team on their account reviews,





providing robust guidance and challenge to ensure we are identifying any concerns and protecting our position.

The majority of the team are based in Leeds, but we are working on a hybrid basis so you can be based anywhere in the UK but will need to be prepared for a degree of travel.

About you

You ll have direct experience of underwriting corporate buy-to-let and / or commercial investment transactions and must have been previously held a personal underwriter mandate (for either BTL or Commercial Property Investment lending).

You ll have a flair for detail and have experience in underwriting complex cases, with the ability to cut through the complexity and make sound decisions.

Away from the specific skills and experience, you ll be confident communicator and have proven relationship building and influencing skills.





You ll be collaborative and be able to provide constructive challenge to lending proposals and the wider commercial lending team.

About us

At YBS we don t have shareholders, we have members. We care about people and that includes you. So here, you ll be respected for who you are, you ll be able to bring your whole self to work, and you ll have everything you need to build a long and rewarding career.

Flexibility. We offer a range of flexible working options without unsocial hours, which can help you find a healthy work-life balance. Whether it s finishing early for an appointment or fitting your studies and hobbies in around your working hours, we can help make it work for you.





We re happy to talk flexible working and you can reach out to us anytime during the recruitment process to discuss this.

Development. We want you to feel challenged here. Whatever your ambitions, we re committed to helping you develop your skills and move ahead in your career journey. From day one, we ll set you up for success with a brilliant induction and full training plan, all designed to get you up to speed quickly.

Inclusivity. We re passionate about creating an inclusive environment where everyone is welcome and able to be themselves. If you ll go the extra mile to help our members, you ll fit right in and feel you belong here.

About our Benefits

We offer lots of fantastic rewards that you can make the most of in and out of work, including:

- Holiday. You ll get 25 days plus Bank Holidays,





as well as the option to buy up to a further 5 days.

- Bonus. At YBS we work collaboratively and share in our success together, so when we reach our goals were all rewarded with an on target bonus of 7% of eligible pay (with the opportunity to earn up to a maximum 15%).

- Pension. We know how important it is to save towards the future, that s why we ll contribute up 11% into your YBS pension.

- Healthcare. Health and wellbeing are an important part of life at YBS, when you join us you ll have access to a range of health benefits to suit your life including private medical insurance, dental and healthcare plans.

- My Benefits. When you join YBS you ll have access to our self-service benefits portal, where you can access a range of retail, hospitality and health discounts,







Ready to apply?

If you re excited about this role and want to be part of the YBS team, click apply now to send us your application.

Want more information?

If you have any questions about this role, please contact Olivia Lambert on [email protected].

Please note applications are reviewed frequently therefore this role may close prior to the advertised closing date