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- Tasks: Join our team to assess creditworthiness for Ford customers in a dynamic underwriting role.
- Company: Ford Credit Europe supports Ford's automotive business with innovative financing solutions across Europe.
- Benefits: Enjoy a collaborative work environment and the chance to develop your financial skills.
- Why this job: Be part of a customer-centric team that values diversity and drives success in the automotive industry.
- Qualifications: No experience required; just bring your analytical skills and a passion for finance.
- Other info: Work primarily in Manchester with flexible attendance based on business needs.
The predicted salary is between 36000 - 60000 £ per year.
Ford Credit Europe (FCE Bank plc) is the financial services arm of Ford Motor Company, supporting Ford\’s automotive business across Europe. Our Manchester Business Centre, located at First Street, is a key operational hub providing financial services to Ford dealers across European markets and supporting UK retail customers. We are committed to delivering innovative and flexible vehicle financing solutions, enabling customers to drive the Ford vehicle they need and helping our dealer network stock their dealerships. We pride ourselves on our customer-centric approach, robust financial products, and a dynamic team that drives our success.
About the Role
As we expand our underwriting team in Manchester, we are seeking talented individuals to join us as Automotive Finance Underwriters. The role involves assessing the creditworthiness of potential Ford customers for both Personal & Commercial lending, ensuring adherence to company policies and regulatory guidelines.
Qualifications
- Experience: 0-5 years in credit underwriting or financial analysis, preferably within automotive finance, assessing retail and commercial customer credit profiles.
- Financial Acumen: Understanding of financial statements (P&L, Balance Sheet, Cash Flow) and key ratios, with the ability to interpret complex financial data.
- Analytical Skills: Strong problem-solving abilities and decision-making skills under pressure.
- Risk Assessment: Knowledge of risk principles to evaluate and mitigate financial and operational risks.
- Communication: Excellent verbal and written skills to explain complex concepts clearly.
- Attention to Detail: Accuracy in data analysis and documentation.
- Teamwork: Ability to work independently and collaboratively.
Additional Information
This position is based in Manchester, requiring attendance at the Manchester Centre approximately 4 days a week, with flexibility based on business needs. Successful candidates will undergo a criminal record check in line with legal requirements. Ford Credit is committed to diversity and equality of opportunity.
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Automotive Finance Underwriter employer: Ford Motor Company
Contact Detail:
Ford Motor Company Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Automotive Finance Underwriter
✨Tip Number 1
Familiarise yourself with Ford's financial products and services. Understanding the specifics of their offerings will not only help you in interviews but also demonstrate your genuine interest in the role and the company.
✨Tip Number 2
Brush up on your knowledge of credit underwriting principles, especially in the automotive sector. Being able to discuss current trends and challenges in automotive finance can set you apart from other candidates.
✨Tip Number 3
Network with professionals in the automotive finance industry. Attend relevant events or join online forums to connect with others who can provide insights or even refer you to opportunities at Ford Credit.
✨Tip Number 4
Prepare for situational interview questions that assess your analytical and decision-making skills. Think of examples from your past experiences where you successfully evaluated risk or made critical financial decisions.
We think you need these skills to ace Automotive Finance Underwriter
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of an Automotive Finance Underwriter. Familiarise yourself with the key skills required, such as credit assessment and financial analysis, to tailor your application accordingly.
Highlight Relevant Experience: In your CV and cover letter, emphasise any experience you have in credit underwriting or financial analysis, especially within the automotive sector. Use specific examples to demonstrate your understanding of financial statements and risk assessment.
Showcase Analytical Skills: Provide examples of how you've used your analytical skills in previous roles. Discuss situations where you had to make decisions under pressure or assess complex financial data, as these are crucial for the role.
Craft a Strong Cover Letter: Your cover letter should not only express your interest in the position but also explain why you are a good fit for Ford Credit Europe. Mention your communication skills and attention to detail, and how they align with the company's customer-centric approach.
How to prepare for a job interview at Ford Motor Company
✨Know Your Financial Fundamentals
Brush up on your understanding of financial statements like P&L, Balance Sheet, and Cash Flow. Be prepared to discuss how you interpret these documents and their relevance in assessing creditworthiness.
✨Demonstrate Analytical Skills
Prepare to showcase your problem-solving abilities. Think of examples where you've made decisions under pressure, especially in financial contexts, and be ready to explain your thought process.
✨Understand Risk Assessment
Familiarise yourself with risk principles relevant to automotive finance. Be ready to discuss how you would evaluate and mitigate risks when assessing potential customers.
✨Communicate Clearly
Practice explaining complex financial concepts in simple terms. Strong verbal and written communication skills are crucial, so think of ways to convey your ideas clearly and effectively during the interview.
