Commercial Relationship Manager

About Cumberland

Working at the Cumberland you become part of something special.’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 and bring your energy and creativity to make a positive difference, then this is the job for you.

We have an exciting opportunity for a Commercial Relationship Manager to join our Commercial team, taking accountability for the management of a portfolio of Commercial customers and the business development of new-to-society relationships in the North of England.

Reporting to the Senior Commercial Manager, the Commercial Relationship Manager is a key role in the Commercial team with the primary focus of managing a portfolio of existing customers and onboarding new-to-society lending and savings customers. You’ll build strong relationships with customers, professionals and introducers through delivery of exceptional customer experience from the initial point of contact through to the completion of onboarding and ongoing management of the relationship.

The role will be working on a hybrid basis so you could be based anywhere but would be expected to travel to the Head Office in Carlisle four times per month on average.

• Salary - Competitive depending on skills and experience.
• Holidays – 25 days holiday plus public holidays and the opportunity to buy and sell up to 2 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, Cycle to Work scheme and a personal wellbeing day.
• Community Day – We offer our people an extra paid day off every year to help local charities and community organisations.

The Commercial Relationship Manager joins the Commercial team to manage a portfolio of existing customers and onboard new‑to‑Society lending and savings customers while driving business development.

• Deliver an exceptional customer experience. Meet, exceed and continuously improve standards and quality of customer service & relationship management. Act at all times in a manner which is consistent with the Societys culture of treating customers fairly.
• Provide support & coaching to the Associate and to other members of the management team and lead on deal management & structuring as required to ensure all risks are assessed and documented in a structured manner for new lending & reviews of existing customer positions.
• Ensure that early warning signs are identified and customers are fully supported when they get into financial difficulty with agreed plans in place and managed to protect the customer and society.
• Understand and be aware of the risk and control environment in your business and adhere to processes and procedures to minimise risks.
• Deliver effective control of risks within the business area by regularly reviewing risk and controls and adhere to processes and procedures.
• Deliver highly effective sales approach & implement the business development strategy within your team. Implement use of the systems necessary to promote the growth of the Cumberland Commercial in a controlled way understanding competitive trends and taking an agile approach to maintain a strong & accurate pipeline of profitable business whilst minimising risk.
• Work in a collaborative manner alongside colleagues within Commercial and the wider Society to ensure that activities are aquitted in an accurate and timely fashion.
• Provide challenge regarding the established processes and procedures to ensure simplification that will benefit customers & colleagues.
• Participate in the development of marketing & business development plans which are…