Senior Lending Manager

Senior Lending Manager

Our impact isn't just about profit. It's about the change we make to the environment and communities in the UK. We create exciting new products that empower our members to be a part of this change.

At Ecology, mortgages are different, we are a specialist mortgage provider for properties and projects that have a positive environmental or social impact. We welcome the unique and the unusual and we put people and the planet above profit. We use savings to make that positive environmental impact.

Our 2030 Strategy has an ambitious approach setting us up to succeed and thrive in the future. As a mission-led, ethical lending organisation, we take our responsibility very seriously, for current and future generations. We will deploy our resources to drive urgent change. We will empower our colleagues, members and wider society to create a better, more sustainable future for all. We need to make change happen. Read more here.

We have an unrelenting focus on impact, but we're dedicated to providing the best service to our members. To help us do this we need the best team in place. Will you help us on this journey?

We are in a time of growth and are strengthening and extending our lending. We are looking to appoint a Senior Lending Manager to direct the Society’s lending portfolio, and oversee the underwriting of loan applications across the Society’s residential and commercial books.

What will you do?

· Lead a small team of underwriters assessing and underwriting mortgage loans.

· Underwrite and sanction higher mandate, out of policy and/or complex mortgage loans across a mix of residential lending types.

· Maintain the quality of the overall mortgage book, ensuring compliance with lending policy, credit risk appetite, and regulatory expectations.

· Assess complex Commercial Lending proposals across all product areas.

· Be the subject matter expert, providing support and guidance to the Relationship Manager in the development of lending applications.

· Sanction commercial lending applications within mandate and escalating out of mandate propositions through to Credit Approval Forum.

· Manage the periodic review of existing loans in accordance with policy and offer conditions.

· Have overall responsibility for arrears handling, monitoring and reporting, including case management through to re-possession where required.

· Be responsible for the application of lending policy across new and existing loans ensuring quality monitoring and reporting of key lending metrics.

· Promote the continued development and monitoring of lending policy, using insight to inform developments in policy that would improve lending performance.

· Prepare comprehensive lending papers, MI, and reports to relevant governance meetings.

Experience you will bring

You will have strong experience in Residential Lending, Commercial Lending and Arrears Management. You will bring leadership skills and have a desire to develop your team. You will have the analytical skills to produce comprehensive MI and reports. You will have passion for delivering the best outcomes for our Members.

Skills

· Demonstrate an excellent understanding of mortgages and underwriting within a specialist lending environment and application of lending policy.

· Evidence of the ability to gather, analyse and interpret information from multiple sources and confidently discuss the results with stakeholders.

· Previous experience of assessing Commercial lending transactions in a business development or underwriting capacity.

· Comprehensive knowledge of regulated and non-regulated mortgage legislation and processes.

We'd love to hear from you if you have the desire to join a small ambitious team with an energy and rewarding sense of achievement. We'd love to share more about our ambitious plans.

Joining our success

At Ecology we don’t have shareholders, we have members and a clear vision for a fair society that respects the environment. We care about both people and planet and that includes our colleagues. 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.

Fairness: We’re committed to paying our people fairly for the role they undertake and are an accredited Living Wage employer

Hybrid working: Our colleagues enjoy the benefits of working from home and collaborating in our newly refurbished eco-office so on average we’re currently working 2 days in the office and 3 days from home, depending upon both colleague preference, team and Member needs.

Develop and grow: The success of the Society is enabled by our successful people and we’ll support your development and growth in your role and your career.

We are committed to promoting a diverse and inclusive community, where you can belong and succeed as your whole self. We value diversity, in terms of gender, race, age, faith, disability, sexual orientation but also personality and thinking style; the uniqueness you’ll bring to us we see as a real source of strength.

About our benefits

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

• Salary. We’re committed to paying our people fairly for the role they undertake and are an accredited Living Wage employer.
• Holiday. You’ll enjoy 33 days holiday inclusive of Bank Holidays, and after a qualifying period you’ll be able to purchase up to 5 days additional holiday.
• Pension. We know how important it is to save towards your future, that’s why we’ll contribute 8% into your pension and you’ll contribute a minimum of 1%.
• Life Insurance. We will provide life insurance of 4 x your basic salary.
• Performance Related Pay. After a qualifying period, you’ll be included in our discretionary performance related pay scheme.

· Develop and grow. The success of the Society is enabled by our successful people, and we’ll support your development and growth in your role and your career.

• Wellbeing. Positive health and wellbeing enables you to thrive as an individual. Employees have access to our Employee Assistance Programme, with a range of health benefits and support to suit your lifestyle.
• Go Green. Colleagues have the opportunity through salary exchange to participate in our cycle to work scheme and/or our Electric Vehicle scheme (after qualifying service)
• Community days We encourage our colleagues to take 3 days paid leave to support community and environmental initiatives aligned to our mission.
• Free Parking/ EV Parking
• Modern sustainable office – with garden, fully equipped kitchen & showers

To Apply

If this all sounds interesting and you are curious to find out more, we'd love to hear from you. Please submit a CV and Covering Letter with your application and we'll be in touch. If there is anything we can do in the recruitment process to help you be your best self, please let us know.

Job Type: Full-time

Salary: £60,000.00-£65,000.00 per year

Benefits:

• Company events
• Company pension
• Cycle to work scheme
• Free parking
• Health & wellbeing programme
• Life insurance
• On-site parking
• Work from home

Schedule:

• Monday to Friday

Supplemental pay types:

• Performance bonus

Work Location: Hybrid remote in Keighley