Castle Trust Bank in the United Kingdom is seeking an experienced Property Credit Manager to own complex credit decisions, influence lending policy and govern risk across our property portfolio. With delegated authority up to £5 million, you'll bridge Front Line and Risk, drive robust credit assessments, and lead policy ownership. The role is based at our Basingstoke office on a hybrid basis: four days in the office and one day working from home.
Aug 29, 2026
Full time
Castle Trust Bank in the United Kingdom is seeking an experienced Property Credit Manager to own complex credit decisions, influence lending policy and govern risk across our property portfolio. With delegated authority up to £5 million, you'll bridge Front Line and Risk, drive robust credit assessments, and lead policy ownership. The role is based at our Basingstoke office on a hybrid basis: four days in the office and one day working from home.
"Shape Credit Decisions. Influence Policy. Drive Excellence" At Castle Trust Bank, we're committed to doing things differently. As an innovative challenger bank, we combine specialist lending expertise with a customer-first approach to deliver outstanding outcomes for our customers, brokers and partners. The role and what you'll be doing: We're looking for an experienced Property Credit Manager to join our team. This is a unique opportunity to take ownership of complex credit decisions, influence lending policy, and play a key role in maintaining strong governance and risk management across our property lending portfolio. With delegated authority of up to £5million, you'll be trusted to make sound lending decisions while acting as a key bridge between our Front Line and Risk functions. This role is based in our Basingstoke office on a hybrid basis working 4 days in the office and 1 day from home. Credit Underwriting & Decision Making Assess and approve property lending proposals within a delegated mandate of up to £5 million. Ensure lending decisions align with risk appetite, lending policy and regulatory requirements. Deliver robust, balanced credit assessments across a range of specialist property lending products. Escalations & Referrals Act as the primary referral point for cases outside delegated authority. Present recommendations and rationale to senior stakeholders and relevant approval committees. Support timely, commercially balanced decision making on complex cases. Stakeholder Management Build strong relationships across Origination, Operations and Risk functions. Act as a trusted adviser on policy interpretation and credit risk matters. Influence decision making through expert technical knowledge and sound judgement. Policy Ownership & Governance Own the ongoing review and development of lending policy. Ensure policies remain aligned to regulatory requirements, market conditions and risk strategy. Communicate policy updates and support consistent application across the business. Contribute to governance forums, audits and risk reviews. Underwriting Audit & Quality Assurance Conduct regular reviews of underwriting decisions to ensure consistency and policy adherence. Identify trends, development opportunities and areas for process improvement. Provide coaching, feedback and recommendations to continuously improve underwriting quality. Support the maintenance of underwriting mandates, audit programmes and risk registers. What you'll bring: We are looking for someone with strong analytical and credit decision-making skills, excellent attention to detail, and the confidence to challenge constructively while building strong stakeholder relationships. You'll be highly organised, risk-aware and proactive, with experience using data and MI to support decisions, a commitment to strong governance standards, and a track record of driving continuous improvement and operational efficiency. In addition, you will have: Essential Strong technical underwriting experience across Buy-to-Let, Bridging and Specialist Residential lending. Proven credit risk assessment and lending decision-making capability within delegated mandates. Experience operating within lending policies, governance frameworks and regulatory environments. Previous underwriting experience with responsibility for coaching, mentoring or quality assurance activities. Demonstrable first-line risk ownership, including managing risks, controls, incidents and remediation actions. Experience managing service levels, pipelines and priorities within a fast-paced lending environment. Understanding of FCA, PRA, AML and wider regulatory requirements. Strong stakeholder management and influencing skills. Degree-level qualification or equivalent professional experience. Why join Castle Trust Bank? Competitive salary Performance bonus (based on individual and company performance) Generous contributory pension through Hargreaves Lansdown Life Assurance 25 days' holiday + option to buy/sell 5 days Additional paid volunteering day Private healthcare through Equipsme (includes cash back for Dental and Optical treatment) Free access to BHSF Rise EAP to support colleague health and wellbeing Gym discounts Season ticket travel loans (if applicable) A supportive, inclusive culture where your work has real impact Caught your attention? If so, we'd love to talk to you and tell you more about what it's like to work at Castle Trust Bank - The Place To Work! Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit. We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact
Aug 29, 2026
Full time
"Shape Credit Decisions. Influence Policy. Drive Excellence" At Castle Trust Bank, we're committed to doing things differently. As an innovative challenger bank, we combine specialist lending expertise with a customer-first approach to deliver outstanding outcomes for our customers, brokers and partners. The role and what you'll be doing: We're looking for an experienced Property Credit Manager to join our team. This is a unique opportunity to take ownership of complex credit decisions, influence lending policy, and play a key role in maintaining strong governance and risk management across our property lending portfolio. With delegated authority of up to £5million, you'll be trusted to make sound lending decisions while acting as a key bridge between our Front Line and Risk functions. This role is based in our Basingstoke office on a hybrid basis working 4 days in the office and 1 day from home. Credit Underwriting & Decision Making Assess and approve property lending proposals within a delegated mandate of up to £5 million. Ensure lending decisions align with risk appetite, lending policy and regulatory requirements. Deliver robust, balanced credit assessments across a range of specialist property lending products. Escalations & Referrals Act as the primary referral point for cases outside delegated authority. Present recommendations and rationale to senior stakeholders and relevant approval committees. Support timely, commercially balanced decision making on complex cases. Stakeholder Management Build strong relationships across Origination, Operations and Risk functions. Act as a trusted adviser on policy interpretation and credit risk matters. Influence decision making through expert technical knowledge and sound judgement. Policy Ownership & Governance Own the ongoing review and development of lending policy. Ensure policies remain aligned to regulatory requirements, market conditions and risk strategy. Communicate policy updates and support consistent application across the business. Contribute to governance forums, audits and risk reviews. Underwriting Audit & Quality Assurance Conduct regular reviews of underwriting decisions to ensure consistency and policy adherence. Identify trends, development opportunities and areas for process improvement. Provide coaching, feedback and recommendations to continuously improve underwriting quality. Support the maintenance of underwriting mandates, audit programmes and risk registers. What you'll bring: We are looking for someone with strong analytical and credit decision-making skills, excellent attention to detail, and the confidence to challenge constructively while building strong stakeholder relationships. You'll be highly organised, risk-aware and proactive, with experience using data and MI to support decisions, a commitment to strong governance standards, and a track record of driving continuous improvement and operational efficiency. In addition, you will have: Essential Strong technical underwriting experience across Buy-to-Let, Bridging and Specialist Residential lending. Proven credit risk assessment and lending decision-making capability within delegated mandates. Experience operating within lending policies, governance frameworks and regulatory environments. Previous underwriting experience with responsibility for coaching, mentoring or quality assurance activities. Demonstrable first-line risk ownership, including managing risks, controls, incidents and remediation actions. Experience managing service levels, pipelines and priorities within a fast-paced lending environment. Understanding of FCA, PRA, AML and wider regulatory requirements. Strong stakeholder management and influencing skills. Degree-level qualification or equivalent professional experience. Why join Castle Trust Bank? Competitive salary Performance bonus (based on individual and company performance) Generous contributory pension through Hargreaves Lansdown Life Assurance 25 days' holiday + option to buy/sell 5 days Additional paid volunteering day Private healthcare through Equipsme (includes cash back for Dental and Optical treatment) Free access to BHSF Rise EAP to support colleague health and wellbeing Gym discounts Season ticket travel loans (if applicable) A supportive, inclusive culture where your work has real impact Caught your attention? If so, we'd love to talk to you and tell you more about what it's like to work at Castle Trust Bank - The Place To Work! Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit. We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact
Head of Operations (Property/Mortgages) Lead operational excellence, drive transformation, and help shape the future of our Property business. At Castle Trust Bank, we pride ourselves on being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers. We are seeking an experienced and strategic Head of Operations to lead our Pre-Completion, Operations and Controls functions within our Property division. This is a high-impact leadership role responsible for ensuring the efficient, compliant and customer-focused delivery of services while driving operational excellence, risk management and continuous improvement across the business. This role is based in Basingstoke, with some travel to London, on a hybrid basis of 4 days a week in the office and 1 day at home. The role and what you'll lead and deliver As Head of Operations, you will provide strategic leadership across key operational functions, ensuring service excellence, strong governance, effective controls and scalable operational processes that support the continued growth of our Property business. You will work closely with senior stakeholders across the Bank, helping to deliver exceptional customer outcomes while maintaining robust regulatory and risk standards. Leadership & Strategy Lead the Pre-Completion, Operations and Controls functions, ensuring alignment to business objectives, customer outcomes and regulatory requirements. Develop high performing teams through effective leadership, coaching, succession planning and performance management. Provide strategic direction to support the growth and evolution of the Property business. Operational Performance Maintain accountability for operational performance across the division. Ensure service standards, quality measures, productivity targets and customer outcomes are achieved. Monitor operational metrics and implement improvements to enhance efficiency, scalability and service delivery. Risk, Governance & Controls Oversee the operational risk and control framework across the Property business. Ensure compliance with regulatory requirements, internal policies and risk appetite. Lead responses to audits, reviews and control findings, ensuring timely remediation and continuous improvement. Stakeholder & Supplier Management Act as the senior escalation point for operational, customer, broker and partner matters. Build and maintain strong relationships with stakeholders across the organisation. Manage relationships with key third party suppliers, ensuring service standards and contractual obligations are met. Change & Continuous Improvement Drive operational excellence through process optimisation, automation and technology enhancements. Lead business change initiatives that improve operational effectiveness and customer outcomes. Support and sponsor strategic projects that enable sustainable business growth. Financial & Commercial Leadership Manage departmental budgets, resource planning and operational capacity. Ensure operational efficiency while supporting wider business objectives and commercial priorities. What you'll bring Essential Significant leadership experience within a regulated lending, banking or financial services environment. Proven track record of leading operational teams and delivering excellent service, quality and customer outcomes. Strong understanding of mortgage lending and/or loan servicing operations, including the end to end customer journey. Experience of operational risk management, controls, governance and regulatory compliance. Demonstrable experience of leading operational change, process improvement and transformation initiatives. Experience managing third party suppliers and service providers. Strong stakeholder management and influencing skills at Executive and Board level. Experience of budget management, resource planning and operational capacity management. Excellent communication, decision making and leadership capability. Desirable Experience managing audit activity and regulatory reviews. FCA regulated experience. Knowledge of Consumer Duty and customer outcome frameworks. Experience delivering technology enabled transformation and automation programmes. Why join Castle Trust Bank? This is an opportunity to take on a highly visible leadership role with direct influence over the operational performance, customer experience and future growth of our Property division. You'll lead experienced teams, shape strategic initiatives and play a critical role in delivering operational excellence across the Bank. In addition, you will receive: Competitive salary Performance bonus (based on individual and company performance) Generous contributory pension through Hargreaves Lansdown Life Assurance 28 days' holiday + option to buy/sell 5 days Additional paid volunteering day Private healthcare through BUPA Free access to BHSF Rise EAP to support colleague health and wellbeing Gym discounts Season ticket travel loans (if applicable) A supportive, inclusive culture where your work has real impact Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status or characteristic protected by law and will always base our decisions on merit. We are proud to support people with disabilities and are committed to being a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role, you will be offered an interview. Should you require any reasonable adjustment to support you in your application, please contact .
Aug 13, 2026
Full time
Head of Operations (Property/Mortgages) Lead operational excellence, drive transformation, and help shape the future of our Property business. At Castle Trust Bank, we pride ourselves on being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers. We are seeking an experienced and strategic Head of Operations to lead our Pre-Completion, Operations and Controls functions within our Property division. This is a high-impact leadership role responsible for ensuring the efficient, compliant and customer-focused delivery of services while driving operational excellence, risk management and continuous improvement across the business. This role is based in Basingstoke, with some travel to London, on a hybrid basis of 4 days a week in the office and 1 day at home. The role and what you'll lead and deliver As Head of Operations, you will provide strategic leadership across key operational functions, ensuring service excellence, strong governance, effective controls and scalable operational processes that support the continued growth of our Property business. You will work closely with senior stakeholders across the Bank, helping to deliver exceptional customer outcomes while maintaining robust regulatory and risk standards. Leadership & Strategy Lead the Pre-Completion, Operations and Controls functions, ensuring alignment to business objectives, customer outcomes and regulatory requirements. Develop high performing teams through effective leadership, coaching, succession planning and performance management. Provide strategic direction to support the growth and evolution of the Property business. Operational Performance Maintain accountability for operational performance across the division. Ensure service standards, quality measures, productivity targets and customer outcomes are achieved. Monitor operational metrics and implement improvements to enhance efficiency, scalability and service delivery. Risk, Governance & Controls Oversee the operational risk and control framework across the Property business. Ensure compliance with regulatory requirements, internal policies and risk appetite. Lead responses to audits, reviews and control findings, ensuring timely remediation and continuous improvement. Stakeholder & Supplier Management Act as the senior escalation point for operational, customer, broker and partner matters. Build and maintain strong relationships with stakeholders across the organisation. Manage relationships with key third party suppliers, ensuring service standards and contractual obligations are met. Change & Continuous Improvement Drive operational excellence through process optimisation, automation and technology enhancements. Lead business change initiatives that improve operational effectiveness and customer outcomes. Support and sponsor strategic projects that enable sustainable business growth. Financial & Commercial Leadership Manage departmental budgets, resource planning and operational capacity. Ensure operational efficiency while supporting wider business objectives and commercial priorities. What you'll bring Essential Significant leadership experience within a regulated lending, banking or financial services environment. Proven track record of leading operational teams and delivering excellent service, quality and customer outcomes. Strong understanding of mortgage lending and/or loan servicing operations, including the end to end customer journey. Experience of operational risk management, controls, governance and regulatory compliance. Demonstrable experience of leading operational change, process improvement and transformation initiatives. Experience managing third party suppliers and service providers. Strong stakeholder management and influencing skills at Executive and Board level. Experience of budget management, resource planning and operational capacity management. Excellent communication, decision making and leadership capability. Desirable Experience managing audit activity and regulatory reviews. FCA regulated experience. Knowledge of Consumer Duty and customer outcome frameworks. Experience delivering technology enabled transformation and automation programmes. Why join Castle Trust Bank? This is an opportunity to take on a highly visible leadership role with direct influence over the operational performance, customer experience and future growth of our Property division. You'll lead experienced teams, shape strategic initiatives and play a critical role in delivering operational excellence across the Bank. In addition, you will receive: Competitive salary Performance bonus (based on individual and company performance) Generous contributory pension through Hargreaves Lansdown Life Assurance 28 days' holiday + option to buy/sell 5 days Additional paid volunteering day Private healthcare through BUPA Free access to BHSF Rise EAP to support colleague health and wellbeing Gym discounts Season ticket travel loans (if applicable) A supportive, inclusive culture where your work has real impact Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all our colleagues to thrive. We welcome applications from all and will not discriminate against any status or characteristic protected by law and will always base our decisions on merit. We are proud to support people with disabilities and are committed to being a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role, you will be offered an interview. Should you require any reasonable adjustment to support you in your application, please contact .
Castle Trust Bank, a fintech challenger bank specialising in property mortgages, is seeking an experienced Head of Operations for our Property division. The role is based in Basingstoke with hybrid working (4 days in the office, 1 day at home) and requires strategic leadership across Pre-Completion, Operations and Controls. You will lead governance, risk, transformation and continuous improvement to deliver exceptional customer outcomes while supporting growth of our Property business.
Aug 13, 2026
Full time
Castle Trust Bank, a fintech challenger bank specialising in property mortgages, is seeking an experienced Head of Operations for our Property division. The role is based in Basingstoke with hybrid working (4 days in the office, 1 day at home) and requires strategic leadership across Pre-Completion, Operations and Controls. You will lead governance, risk, transformation and continuous improvement to deliver exceptional customer outcomes while supporting growth of our Property business.
