Commercial Underwriter

**The Vacancy**

Working at the Cumberland, you become part of something special. We’re a Mutual organisation, committed to improving the lives of our colleagues, customers, and community. Our values are incredibly important to us. We’re on an exciting transformational journey with our people firmly at the forefront of our plans.

We have a great opportunity for someone with a strong background in commercial lending - either as an underwriter or a credit manager, to join the Cumberland Building Society as a Commercial Underwriter.

**The Benefits**
- **Salary** - up to £70,743 p.a. depending on skills and experience.
- **Holidays** - 25 days holiday plus public holidays and the opportunity to buy and sell up to 3 days.
- **Learning and** **Development opportunities** - We want you to grow in your role. We’ll work together to support your personal and professional development.
- **Hybrid Working** - the tools and equipment you need to be able to work from home when you need to, depending on your role.
- **Health and Wellbeing** - a calendar of events and activities throughout the year, Mental Health & Wellbeing champions, and Cycle to Work scheme.
- **Community Day** - We offer our people an extra paid day off every year to help local charities and community organisations.

**The role**

Reporting to the Commercial Underwriting Manager, the key responsibilities and duties in the role are:

- Communicating proactively, positively and effectively to obtain information required to make appropriate lending decisions, explain the rationale behind those decisions and ensure that effective working relationships with colleagues are developed and maintained.

**About You**
- Have considerable experience in commercial lending and highly developed credit & risk awareness skills.
- Have held a commercial lending mandate with authority to approve outside lending policy.
- Have specific prior experience / knowledge of all or some of the following sectors - hospitality, care homes, food & drink & healthcare.
- Demonstrate strong verbal and nonverbal communication skills, able to interact effectively both face to face & remotely with internal stakeholders.
- Demonstrate a confident and pragmatic approach with ability to exercise judgement and discretion where appropriate
- Ability to balance capacity demands and service achievement without compromising lending standards or quality.

**Where you will work**

**The Company**

We’re here to create a banking experience that’s kinder to people and planet.

Unlike banks, we don’t have public or private shareholders which means we can invest 100% of our profits back into our business. As a result, our business is purpose-led, financially strong, socially responsible and always focused on our people, planet and communities.

**The Benefits**

**Competitive Salary**

We will offer you a competitive basic salary for your role, which is reviewed every year.

**Learning & Development**

We want you to grow in your role. We’ll work together to support your personal and professional development.

**Holidays**

Flexibility to buy and sell up to two holiday days per year, plus extra holiday after 5 years.

**Family Friendly**

We pay competitive maternity, paternity and adoption leave.

**Flexible Working**

We can provide the tools and equipment you need to be able to work flexibly or from home when you need to, depending on your role.

**Pension Scheme**

If you’re eligible, we’ll enroll you into our competitive company pension scheme.

**Health & Wellbeing**

We have a calendar of events and activities throughout the year, Mental Health & Wellbeing champions and Cycle to Work scheme.

**Community Day**

We offer our people an extra paid day off every year to help out local charities and community organisations.

**Social**

We hold regular social events, from annual staples like our Christmas party and quiz, to smaller get-togethers such as walks and shopping trips.