Careers at The Cumberland

Our people are our greatest asset. Want to join us? Find out about our current vacancies below.

The Cumberland is a forward thinking organisation committed to providing excellent customer service and putting its members first. One of the main ways we achieve such a high level of customer service is through the staff we employ. We have over 480 staff based in our head office and our branch network, which extends throughout Cumbria, Dumfriesshire, North Lancashire and Northumberland, and it is these people that help us to be the success that we are today.

  • Do you see yourself as our next valuable team member?
  • Would you like to grow with an organisation that values its staff and prides itself on the customer service that is offered?

If yes, then we would like to meet you.

If you’re an enthusiastic team player and have the commitment and desire to succeed, then see what exciting opportunities we may have in our current vacancies, or read on to discover the different roles we can offer.

Current vacancies

  1. Head of Credit Risk Management @ Head Office, Carlisle

    Reporting into the CRO, this role is responsible for the 1st Line management of Credit Risk within Cumberland Building Society, encompassing Commercial and Residential Mortgages, Vehicle Finance, Unsecured Loans and Overdrafts.

    This role will hold significant mandated lending authority within CBS.

    Accountable for lending strategy, decisioning processes and 1st Line quality assurance and controls.

    Adept at providing strategic insight and data driven inputs into lending criteria as supported by the production of comprehensive MI.

    Ensure compliance with all relevant regulation, guidance and policy and that the business operates within Board approved limits, triggers and capacities.

    Manage and chair Credit Risk Committee and report regularly on Credit Risk matters to the Executive and Board Risk Committees.

    Essential skills:

    • Extensive experience managing credit risk for a large mortgage portfolio
    • Understanding of Credit Risk decisioning systems and automated lending processes
    • Previous senior experience of mortgage underwriting
    • Ability to analyse and interpret data
    • Familiarity with mortgage regulation
    • Line management responsibility and senior stakeholder communication

    Why apply?

    • Competitive salary and benefits
    • Company pension scheme
    • One paid charity day per year
    • Collaborative, supportive organisation committed to developing full potential
    • Excellent opportunity for career progression based on delivery, output and alignment to CBS values
    • Flexible working options (including job share and working from home)
    • Close to the beautiful Lake District National Park
    • Accessible location facilitating travel from Edinburgh, Glasgow, Newcastle and regions in between
    • On site parking for all employees
    • Access to Mental Health First Aiders and an extension Employee Assistance Programme

    The Cumberland is proud to be an equal opportunities employer and we are committed to employing the right person for the role regardless of age, background, sex, religion, gender identity, race, sexual orientation, citizenship, disability, colour or marital status. We are happy to support those with commitments outside of work so if you need to work on a flexible basis please let us know (all options will be considered)

    To apply please request an application form by e mailing recruitment@cumberland.co.uk

  2. Head of Credit Risk Oversight @ Head Office, Carlisle

    Reporting into the CRO, this role is responsible for the 2nd Line assurance of Credit Risk across Commercial and Residential Mortgages, Vehicle Finance, Unsecured Loans and Overdrafts.

    Develop and monitor Risk Appetite metrics ensuring the business operates within Board approved limits, triggers and capacities.

    Provide oversight on the annual validation of the Credit Risk Appetite Framework.

    Own and maintain credit risk lending policies ensuring they are fit for purpose, compliant with regulations and are driving appropriate outcomes for customers and the Society.

    Provide assurance that lending complies with regulation and policy, including oversight and challenge of credit risk lending strategy and processes, impairment and stress testing approaches.

    Retrospectively sample and review 1st Line lending decisions. Track the performance of all portfolios and monitor high risk segments to ensure the Society delivers its long term objectives.

    Develop and maintain a Credit Risk Assurance Plan based on key risk areas in alignment with 3rd Line Audit plans.

    Regularly report on 2nd Line Credit Risk matters to the Executive and Board Risk Committees.

    Essential skills:
    • Extensive mortgage credit risk oversight experience
    • Ability to analyse and interpret data
    • Familiarity with mortgage regulation
    • Previous line management responsibility
    • Ability to articulate and support key findings to challenging stakeholders

    Why apply?

    • Competitive salary and benefits
    • Company pension scheme
    • One paid charity day per year
    • Collaborative, supportive organisation committed to developing full potential
    • Excellent opportunity for career progression based on delivery, output and alignment to CBS values
    • Flexible working options (including job share and working from home)
    • Close to the beautiful Lake District National Park
    • Accessible location facilitating travel from Edinburgh, Glasgow, Newcastle and regions in between
    • On site parking for all employees
    • Access to Mental Health First Aiders and an extension Employee Assistance Programme

    The Cumberland is proud to be an equal opportunities employer and we are committed to employing the right person for the role regardless of age, background, sex, religion, gender identity, race, sexual orientation, citizenship, disability, colour or marital status. We are happy to support those with commitments outside of work so if you need to work on a flexible basis please let us know (all options will be considered)

    To apply please request an application form by e mailing recruitment@cumberland.co.uk

  3. Credit Risk Analytics, Insights and MI Analyst @ Head Office, Carlisle

    Reporting into the Head of Credit Risk Oversight, this role is responsible for supporting the delivery of 2nd Line Credit Risk assurance.

    Track and monitor the Society’s Residential Mortgages, Vehicle Finance, Unsecured Loans and Overdraft portfolios to ensure the Society delivers its long term objectives.

    Via analytics and data driven insight, provide information regarding identification and control of high risk segments and overall portfolio performance.

    Deliver and enhance 2nd Line reporting in support of Credit Risk oversight.

    Ensure insightful, relevant and accurate information and commentary.

    Deliver leading indicators MI highlighting emerging trends, areas of high risk and potential future stresses.

    Work with the IT and MI teams to further enhance the data capabilities of the Society.

    Essential skills:
    • Credit risk management experience
    • Advanced Excel and SQL
    • Ability to collect, analyse and interpret data
    Why apply?
    • Competitive salary and benefits
    • Company pension scheme
    • One paid charity day per year
    • Collaborative, supportive organisation committed to developing full potential
    • Excellent opportunity for career progression based on delivery, output and alignment to CBS values
    • Flexible working options (including job share and working from home)
    • Close to the beautiful Lake District National Park
    • Accessible location facilitating travel from Edinburgh, Glasgow, Newcastle and regions in between
    • On site parking for all employees
    • Access to Mental Health First Aiders and an extension Employee Assistance Programme

    The Cumberland is proud to be an equal opportunities employer and we are committed to employing the right person for the role regardless of age, background, sex, religion, gender identity, race, sexual orientation, citizenship, disability, colour or marital status. We are happy to support those with commitments outside of work so if you need to work on a flexible basis please let us know (all options will be considered).

    To apply please request an application form by e mailing recruitment@cumberland.co.uk


    Closing date for applications is 02 January 2019.

  4. Customer Service Assistant (Completions Team) @ Head Office, Carlisle

    Salary £17,108 per annum

    Cumberland Building Society is one of the UK’s most successful and innovative building societies.

    A key factor in that success is its Customer Service Department based in Carlisle; this provides the operational support for the Society’s 34 branches and 140,000 members.

    Based in the Customer Service Department at the Society’s head office in Carlisle, you will work as part of the Completions Team providing administrative support for new mortgage applications.

    The role will require an individual who is enthusiastic about delivering excellent customer service and who has strong administration skills.

    The main responsibilities of the role will be:

    • Checking and processing requests for mortgage funds, ensuring our records are correct and any conditions have been met.
    • Release of funds to the correct destination and within the required timescales.
    • Accurate completion of mortgage accounts, including setting up payments due and issuing customer letters.
    • Interaction with solicitors and mortgage advisers throughout the branch network.
    • Liaising with internal teams in respect of payments made and to resolve any queries that may arise.

    We are looking for an individual who has:

    • Excellent attention to detail.
    • A confident, friendly and approachable manner.
    • Sound organisational, communication and IT skills.
    • Ability to work to deadlines and be able to work using your own initiative.

    Why apply?

    • Company pension scheme.
    • One paid charity day per year.
    • Collaborative, supportive organisation committed to developing full potential.
    • Excellent opportunity for career progression based on delivery, output and alignment to Cumberland Building Society values.
    • Access to Mental Health First Aiders and an extension Employee Assistance Programme.

    The normal working hours will be Monday to Friday 8.45am to 5.15pm.

    The Cumberland is proud to be an equal opportunities employer and we are committed to employing the right person for the role regardless of age, background, sex, religion, gender identity, race, sexual orientation, citizenship, disability, colour or marital status.

    The closing date for completed applications is 31 December 2018.

  5. Financial Planning Assistant @ Fisher Street Branch, Carlisle

    Salary £20,227 per annum, pro rata for part time working

    An excellent opportunity has arisen for a Financial Planning Assistant who will work closely with our Independent Financial Adviser (IFA) and Paraplanner based in our Fisher Street Branch in Carlisle.

    The role will include:
    • Providing error free administration support for the IFA.
    • An element of customer contact.
    • Liaising with Life and Investment Companies.
    • Carrying out full product research.
    • Obtaining illustrations and client documentation.
    • Drafting Suitability Reports for customers.
    • Maintain a detailed record of new and ongoing enquiries and maintain an up to date schedule of ongoing and completed cases.
    • To ensure new and existing business is administered in accordance with the procedures specified in procedure manuals.
    The ideal candidate will have:
    • A strong attention to detail, be methodical and precise with their work.
    • Effective communication and organisational skills.
    • The ability to work to deadlines and able to carry out tasks and projects, both as part of a small team and on their own initiative.
    • Proficiency in the use of Microsoft Office software, especially Word & Excel.

    Why apply?

    • Competitive salary and benefits.
    • Company pension scheme.
    • One paid charity day per year.
    • Collaborative, supportive organisation committed to developing full potential.
    • Excellent opportunity for career progression based on delivery, output and alignment to CBS values.
    • Access to Mental Health First Aiders and an extension Employee Assistance Programme.
    • This position will be considered either working full time, part time, which can be family friendly hours or job share would also be considered.

    The Cumberland is proud to be an equal opportunities employer and we are committed to employing the right person for the role regardless of age, background, sex, religion, gender identity, race, sexual orientation, citizenship, disability, colour or marital status.

    The closing date for completed applications is 04 January 2019.

  6. Assistant Payment Systems Architect @ Head Office, Carlisle

    Salary £22,235 to £23,715 per annum (depending on experience)

    An opportunity has arisen for a Full-time Assistant Payment Systems Architect to join our busy IT team based in our Head Office, Carlisle.

    As an Assistant Payment Systems Architect you will provide specialist support and assist in the delivery of ongoing enhancements to key payment systems such as LINK, VISA, Internet Banking and the Mobile Banking App.

    Knowledge of using some of these systems would be advantageous however this is not essential as full training will be provided.

    The ideal candidate will enjoy working as part of a team; have excellent organisation, accuracy and communication skills along with a friendly, helpful and outgoing personality.

    This role requires someone who can work flexible hours, as various tasks and projects carried out may require working outside normal business hours.

    If you feel that you have the necessary skills and qualities to join our team, then we would like to hear from you.

    Why apply?

    • Company pension scheme.
    • One paid charity day per year.
    • Collaborative, supportive organisation committed to developing full potential.
    • Excellent opportunity for career progression based on delivery, output and alignment to Cumberland Building Society values.
    • Access to Mental Health First Aiders and an extension Employee Assistance Programme.

    The Cumberland is proud to be an equal opportunities employer and we are committed to employing the right person for the role regardless of age, background, sex, religion, gender identity, race, sexual orientation, citizenship, disability, colour or marital status.

    Closing date for completed applications is 31 December 2018.

How to Apply

Download our application form in your chosen format below and email it to peopleandculture@cumberland.co.uk or post it to: People and Culture Team, Cumberland Building Society, Cumberland House, Cooper Way, Parkhouse, Carlisle CA3 0JF.

To see how we will use the information you provide to us as part of our recruitment process, read the Applicant Privacy Notice.

Microsoft Word
Email to: peopleandculture@cumberland.co.uk
Download Word Application
Or post to:

People and Culture Team
Cumberland Building Society
Cumberland House
Cooper Way
Parkhouse
Carlisle CA3 0JF
Adobe PDF
Email to: peopleandculture@cumberland.co.uk
Download PDF Application
Or post to:

People and Culture Team
Cumberland Building Society
Cumberland House
Cooper Way
Parkhouse
Carlisle CA3 0JF

BRANCH ROLES

With 34 branches across Cumbria, South West Scotland, Northumberland and North Lancashire, there are plenty of opportunities for a successful sales career within the financial services sector. We are looking for people who have the drive to exceed our customer’s expectations and enjoy working in a sales target driven environment. So if you’re the kind of person who’s always got time to talk, are passionate about customer service, sales and success and have a vibrant personality then we would like to hear from you.

Customer Service Assistants
This is a key role for us as our Customer Service Assistants are the first point of contact for our customers and generate business for us
This is a key role for us as our Customer Service Assistants are the first point of contact for our customers and we are looking for individuals who are enthusiastic about delivering excellent customer service and who enjoy exceeding customer expectations.

The main duties of a Customer Service Assistant is to offer an efficient cashiering service and provide administration support. As part of this role, we are looking for individuals who enjoy working as part of a team, but also have the ability to work using their own initiative, and are proactive in achieving their targets.
Mortgage and Protection Advisors
Our Mortgage and Protection Advisors are responsible for giving accurate and helpful advice to our customers
Buying a property can be a daunting experience, or needing help with a change in circumstance can often be perceived to be a hassle. That is why the role of our fully trained Mortgage and Protection Advisors' is to make the mortgage process as positive and straightforward for our customers as possible.

This role requires individuals who possess the skills and personality to deliver accurate and helpful advice to customers, focusing on identifying customer needs and showing them how they can benefit from our wide range of products and services.

We are looking for qualified mortgage advisors who have the drive to succeed, and always striving to achieve their targets.
Assistant Branch Managers
This role will motivate the team in the branch
Our Assistant Branch Managers play a central role in branch life, they are often the first point of call for the branch team, and are key in overseeing the day to day running of the branch in the absence of the Branch Manager.

We are looking for individuals who excel at motivating and supporting their teams, and continuously working to exceed targets, improve standards and the quality of customer service we provide.

Our Assistant Branch Manager’s will also work with their Mortgage and Protection Advisors to support them, and give mortgage advice.
Branch Managers
This is a true leadership position, where you will be able to clearly demonstrate your ability as the driving force behind your sale’s team performance.
This is a true leadership position for individuals who are passionate about delivering, through attitude and actions an exceptional customer experience.

As a branch manager, you key role is to be the enthusiastic and encouraging driving force behind your team’s performance.

In this role, we are looking for individuals who have inspirational leadership skills and managerial experience, with a real passion for delivering excellent customer service, and the drive to exceed demanding sales targets and the ability to build relationships with customers and within the community.

Our branch managers will also work with their Mortgage and Protection Advisors to support them, and give mortgage advice.
Business Lending Managers
The main role of a Business Lending Manager is to identify new commercial lending opportunities for the Society
They do this by developing and maintaining relationships with customers, our branches and professionals involved with the wider property industry.

In addition to assessing all new business loan applications and providing guidance to branches when dealing with self employed personal customers and borrowers, a Business Lending Manager is required to keep abreast of changes affecting the financial sector, for example as a consequence of new or amended legislation.

HEAD OFFICE ROLES

The Head Office of the Cumberland Building Society, based in Carlisle, has over 180 staff and 18 departments. The staff provide both administration and specialist support to our Branch Network, Estate Agency and other departments within our Head Office. Whether you are looking to work in customer service, finance, information technology, personnel or marketing, we could have a job for you.

Administration Assistant
Administration Assistants operate within all of our 18 Head Office departments
They help service our branch and estate agency network to benefit customers and members.
Supervisors/Managers
Supervisors and Managers oversee the day to day running of the staff in their departments
They strive to meet the high levels of customer service we provide and are constantly looking to develop their staff to help them reach their full potential.
Controllers
Controllers have overall responsibility for the individual departments within Head Office
They report directly to an Executive and ensure their department is running efficiently and meeting all their objectives.

ESTATE AGENCY ROLES

Cumberland Estate Agents is a successful and progressive estate agency operating from 10 of the building society's branches. These roles demand excellent communication skills, experience of using the latest technologies and a hunger for selling.

Accompanied Viewers
This is a vital role in the process of selling houses
It is the Accompanied Viewers job to show potential buyers round properties we are looking to sell and ensuring the potential buyer’s questions are answered. Accompanied Viewers must have excellent communication skills and enjoy working with the general public.
Sales Negotiators
Sales Negotiators are the customer’s point of contact
It is vital they keep customers updated and see sales through to the end. You must be an excellent communicator and enjoy working with the general public. This is a sales role and will involve demanding sales targets and providing an excellent customer service.
Valuers
Our Valuers are responsible for carrying out market appraisals and securing properties for our offices to sell
This role involves a lot of organisation and time management, as well as a sales ability.

DEVELOPMENT IN THE ROLE

Having great people means we'll provide great customer service. We strive to ensure our staff become the best they can be.

Committed to our people
We are committed to training staff members at all levels and provide both on the job training and centralised training courses.
We provide training to our staff to assist them in achieving their objectives, through structured training and development plans.

All of our staff members have the opportunity to work towards a qualification relevant to their role and this is fully supported and encouraged by us.
Training
Our staff are continually given the opportunity to develop new skills and further their financial services career with us
This was recently reflected in the Society winning a national award for its commitment to training and developing staff.

This structured training system, called Train Track, allows staff members to complete modules to take them from being a new starter to being a manager.

This gives staff the opportunity to reach their full potential. A key element is the training library that is constantly updated to help staff progress in their chosen career with us.

We have a dedicated staff trainer who runs all our internal training courses.
Qualifications
We like to encourage and support our staff to do exams to increase their knowledge and understanding
This gives them an opportunity to develop and progress. The exams are a recognised qualification throughout the Financial Services Industry and there are many levels you can study.