Automotive Financial Underwriter

Position Overview

As a Dealer Services Agent, you\’ll play a crucial role in one of our key retail departments by assessing the creditworthiness of potential Ford customers for both Personal & Commercial lending.

Responsibilities

• Credit Assessment: Conduct thorough financial analysis of commercial clients, reviewing financial statements, credit reports, business plans, and industry‑specific data to determine risk levels.
• Decision Making: Make informed lending decisions in line with the company\’s credit policy, risk appetite and regulatory guidelines, ensuring a balanced approach between business growth and risk management.
• Dealer Query Resolution: Respond to and resolve queries from Ford dealers regarding credit applications, processes and policies, primarily via phone, email and other communication channels.
• Communication & Collaboration: Engage effectively with internal stakeholders (sales, operations, collections) and external partners (brokers, clients) to gather necessary information and communicate underwriting decisions clearly and concisely.
• Compliance: Ensure all underwriting activities adhere to relevant legal, regulatory and internal policy requirements.
• Process Improvement: Contribute to the continuous improvement of underwriting processes and policies.

Qualifications

• 0-5 years of experience in credit underwriting or financial analysis, ideally within an automotive finance environment.
• Financial Acumen: Strong understanding of financial statements (P&L, Balance Sheet, Cash Flow) and key financial ratios; ability to interpret complex financial data to assess business health and repayment capacity.
• Analytical Skills: Excellent analytical and problem‑solving abilities, with the capacity to make reasoned decisions under pressure.
• Risk Assessment: Solid grasp of risk assessment principles and ability to identify, evaluate and mitigate financial and operational risks across diverse customer segments.
• Communication: Exceptional verbal and written communication skills, capable of explaining complex financial concepts clearly to both financial and non‑financial audiences and adept at handling queries effectively.
• Attention to Detail: Meticulous attention to detail and accuracy in data analysis and documentation.
• Proactive & Team Player: A self‑starter who can work independently but also thrives in a collaborative team environment.

Employment Details

Position is a UK role and applications will only be accepted from current UK permanent employees; FoB and FCE employees only. This is a full‑time role, but we encourage flexible arrangements including job‑share. The successful candidate will be based in Manchester and is expected to attend the Manchester Business Centre for approximately 3 days a week, remaining flexible on days required for office attendance according to business requirements.

The Company is committed to diversity and equality of opportunity for all and is opposed to any form of less favourable treatment or harassment on the grounds of race, religion or belief, sex, marriage and civil partnership, pregnancy and maternity, age, sexual orientation, gender reassignment or disability.

About Ford Credit Europe

Ford Credit Europe (FCE Bank plc) is the financial services arm of Ford Motor Company, playing a crucial role in 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 our UK retail customers. We are dedicated to providing innovative and flexible vehicle financing solutions, enabling millions of customers to drive the Ford vehicle they need and helping our dealer network stock their dealerships.