Corporate Credit Underwriting Manager

We’re looking for an experienced Corporate Credit Underwriting Manager to join our Risk Operations team, located in Lyde Green, Bristol (BS16 7LB) to manage a small team of underwriters decisioning on large lending applications ( £500k to £5m ). This role ensures credit decisions are made consistently, fairly and in line with Group policy and risk appetite, while delivering a strong customer experience.

You’ll be responsible for credit quality, decision‑making standards, service levels and team performance while working closely with Credit Risk and Compliance to ensure policies and controls are applied effectively.

The key responsibilities for the role are

• Lead and manage a Corporate Credit underwriting team, including performance and development of colleagues.
• Oversee the end‑to‑end credit opinion process for handoff to the 2LOD team for validation.
• Deliver “right first time” decision‑making.
• Act as the main point of contact for credit‑related escalations from Commerce Colleagues.
• Manage workflows to deliver agreed service levels and quality standards.
• Maintain clear audit trails and robust credit documentation.
• Complete regular quality checks, controls and credit reviews.
• Keep credit policies and procedures up to date and recommend improvements to improve customer journey.
• Support and deliver projects that improve credit processes.
• Build strong working relationships across credit, risk, compliance and relationship teams.

Skills & Experience

• Proven experience leading a Corporate Credit team or similar.
• Experience assessing and managing credit risk, including complex cases.
• Credit mandate in existing or a previous role of £1m plus sign off.
• Ability to interpret financial information and data for complex company structures.
• Good knowledge of UK lending practices.
• Strong communication skills with the ability to influence stakeholders.
• Highly organised, with the ability to plan and prioritise in a fast‑paced environment.
• Track record of delivering service, quality and productivity targets

What we offer 

Rewards & Financial Benefits 

Competitive pension scheme, Annual salary review and bonus scheme, 

EV company car, Give As You Earn (GAYE) scheme, Employee referral scheme (£1,000), Retail discounts programme, GymFlex membership options, Cycle to Work scheme.

Health & Wellbeing 

Private Medical Insurance, Life Assurance, Health assessment options, Travel insurance, Dental insurance, Critical illness cover, Personal accident insurance. 

Time Off & Work–Life Balance 

25 days’ annual leave + an additional Celebration Day, 37.5 hour week, Monday to Friday, no weekends, Holiday buy & sell, scheme, Volunteer days , Time allocated for personal development, Study support (where applicable). 

Workplace & On‑Site Facilities 

Free parking, EV charging points, Bike storage & shower facilities, Complimentary breakfast, Staff and social events 

Studies have shown that women and people of colour are less likely to apply for an opportunity unless they exactly meet the criteria specified. At Ayvens we are committed to building a diverse, inclusive, enjoyable and authentic workplace so if you are excited by this, or any role at Ayvens but your experience doesn’t exactly align, we would encourage you to apply regardless! What’s the worst that can happen?!