Lee Wisener Cemap
Private Bank Underwriter @Barclays Private Bank
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WORK HISTORY
Private Bank Underwriter @Barclays Private Bank
Glasgow, GB
Senior Underwriter specialising in complex HNW and UHNW mortgage lending, combining deep credit expertise with strong analytical capability. Assess large and sophisticated applications using detailed financial analysis, multi-source data interpretation and evidence-based credit judgment.Apply data-led thinking to evaluate affordability, liquidity, property risk, market context and borrower behaviour. Known for identifying inconsistencies, emerging risks and structural weaknesses early in the process, contributing to long-term portfolio quality and reduced loss exposure.Experienced in high-value, multi-jurisdiction lending, including residential, investment, portfolio finance, FX-linked facilities and bespoke private-client structures. Deliver clear, well-reasoned recommendations aligned with policy, regulation and overall risk appetite.Key Contributions:• Strengthened credit outcomes through data-driven assessment, sensitivity analysis and early detection of risk indicators• Improved consistency of underwriting decisions and documentation quality through analytical review and structured rationale• Contributed to major policy and regulatory changes, including implementation of Mortgage Market Review requirements• Recognised for accuracy, attention to detail and high-quality decision-making across complex lending scenarios
SKILLS
ABOUT LEE WISENER CEMAP
Skilled Mortgage Underwriter with a strong background in risk assessment, credit analysis and complex case management across clients ranging from mainstream to ultra-high-net-worth. Equipped with up-to-date knowledge of UK mortgage policy, regulatory standards and lending criteria. Adept at identifying risk, fraud indicators and affordability issues early in the process, ensuring high-quality, compliant lending decisions and timely case progression.Alongside my underwriting expertise, I specialise in data analysis, property market intelligence and technical development. I run PropertyResearch.uk, a UK housing-market analytics platform I built from the ground up using PHP, Laravel, MySQL and large-scale datasets (Land Registry, EPC, deprivation indices, postcode systems and ONS data). My work involves cleaning, optimising and analysing millions of records, building dashboards, automating data pipelines and turning complex data into clear insights.I blend underwriting knowledge with strong technical skills in big-data handling, SQL optimisation, API integration and full-stack development, allowing me to understand the property market from both a credit-risk and a data-driven perspective. Passionate about accuracy, transparency and accessible research, I share regular insights and tools to help others understand market conditions, affordability and long-term housing trends.Always open to connecting with professionals across underwriting, risk, property analytics, data engineering and housing research.
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