Associate

**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. If you want to work for a team integral in helping to drive cultural change, a team where you can bring your whole self to work bringing your energy and creativity to make a positive difference, then this is the job for you.

An opportunity has arisen to join our Commercial team as an Associate on a full time, fixed term contract until April 2026.

As an Associate you will provide support to the Commercial Relationship Managers and Business Relationship Managers, assisting with the provision of exceptional service to customers in the portfolios and business development. You will be involved in the credit analysis, credit support, security work and ongoing credit administration. As well as some general administration for the portfolios of customers including the on-boarding of new to Society customers.

**The Benefits**
- **Salary -**competitive 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.

**Key Responsibilities**
- Deliver an exceptional customer experience
- Deal with new prospect or customer enquiries in a proactive and customer led manner
- Provide support on credit associated tasks in relation to commercial customers including a level of financial analysis
- Provide support to the Commercial Relationship Managers and Business Relationship Managers in a variety of ways including the set up and preparation and follow-up for customer meetings, prospect meetings and professional/broker meetings
- Ensure processes are followed with customers who are in financial difficulty to protect the customer and society
- Understand and be aware of the risk and control environment and adhere to processes and procedures in order to minimise risks
- Work in a collaborative manner alongside colleagues within Commercial and the wider Society
- Support the achievement of the customer retention plan, customer feedback objectives and gross lending plan

**About You**

**Skills & Experience**
- Likely to have experience of retail, business, or commercial banking
- Good experience of quality service provision for retail, business, or commercial customers
- Evidence of performance delivery in a safe and sustainable manner
- Knowledge of risk and regulatory controls, processes and procedures required in management of business or commercial customers is ideal, but not essential
- Experience of working collaboratively across teams internally and externally
- Strong desire to develop and grow a career in commercial banking
- Ability to meet SLAs

**Behaviours & Attributes**
- Strong desire to develop skills and knowledge in commercial banking and ability to be coached
- The ability to work to deadlines, working as part of a team and on your own initiative
- Excellent attention to detail and organisational skills
- Achievement driven with focus to deliver
- Highly developed Microsoft Office skills
- Good communicator internally and externally
- Good risk awareness with the ability to identify risks and manage them
- Ability to work collaboratively internally and externally

**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