Senior Commercial Underwriter
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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, high‑profile underwriting role with a clear leadership component. You’ll underwrite higher‑value 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 decision‑making at senior forums.
You’ll assess and approve a wide range of commercial mortgage transactions—commercial investment, corporate buy‑to‑let and owner‑occupied lending—while 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 less‑experienced underwriters, offering technical guidance, quality assurance and day‑to‑day 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 decision‑making 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 in‑life 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 buy‑to‑let 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, well‑reasoned decisions
- Excellent communication skills, with the confidence to challenge constructively
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 to discuss this during the recruitment process.
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.