Mortgage Recoveries Manager

Castle Trust Bank

. Manage a portfolio of complex mortgage arrears and recoveries cases from early financial difficulty through to resolution .

Posted 11/6/2026full-timeBasingstoke • United KingdomMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in managing complex mortgage arrears and recoveries, with a strong focus on compliance with regulatory requirements and delivering fair customer outcomes. Proficient in assessing borrower finances and developing effective recovery strategies, including restructuring and refinancing.

Highest-signal resume keywords

UK Mortgage Arrears ManagementMortgage Recovery StrategiesFinancial AnalysisNegotiation SkillsRegulatory Compliance

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Mortgage RecoveryDebt RecoveryRestructuringRefinancingLitigation ManagementAsset RealisationImpairment AssessmentPortfolio ReviewCase RecommendationsFinancial Difficulty Support

Soft Skills

Communication SkillsStakeholder ManagementAttention to DetailCommercial JudgementProactive Approach

Industry Keywords

Consumer DutyTreating Customers FairlyData ProtectionAnti-Money LaunderingInsolvencyLPA Receivers

About the role

Key responsibilities & impact

Manage a portfolio of complex mortgage arrears and recoveries cases from early financial difficulty through to resolution
Assess borrower finances, property security and repayment capacity to determine recovery strategies
Develop and deliver repayment arrangements, restructuring, refinancing, settlements and property sales
Manage enforcement activity, including litigation, insolvency, receivership and asset realisation
Work with customers and professional advisers, including solicitors, valuers and receivers
Prepare recommendations and report on high-risk and non-performing cases, including impairment, write-offs and expected recoveries
Support customers experiencing financial difficulty while ensuring compliance with regulatory requirements, Consumer Duty and arrears and forbearance standards
Own a portfolio of complex mortgage and bridging cases through arrears, distress and default

Requirements

What you’ll need

Proven capability and experience within UK mortgage or bridging arrears, default, workout or debt recoveries
Strong knowledge of mortgage recovery strategies, including restructuring, refinancing, negotiated settlements, litigation and asset realisation
Ability to analyse borrower financial information, property security and repayment capacity
Strong commercial judgement, balancing fair customer outcomes with managing and reducing credit losses
Experience preparing case recommendations, portfolio reviews or impairment assessments
Excellent negotiation, communication and stakeholder-management skills
Confidence to make decisions, constructively challenge and escalate risk where appropriate
Strong attention to detail and ability to maintain accurate case records
Understanding of relevant regulatory requirements, including Consumer Duty, Treating Customers Fairly, Data Protection and Anti-Money Laundering requirements
Collaborative, customer-focused and proactive approach
Experience working with litigation solicitors, insolvency professionals or LPA receivers particularly valuable

Benefits

Comp & perks

Annual performance-related bonus
Generous contributory pension scheme through Hargreaves Lansdown
Life assurance
25 days’ annual leave plus bank holidays, with the option to buy or sell up to five days
An additional paid volunteering day
Healthcare benefits through Equipsme
Access to BHFS Rise EAP
Free eye-test vouchers
Discounted gym membership
Season-ticket travel loans, where applicable