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For Companies At a Glance
- Tasks: Analyse commercial loans, prevent fraud, and mentor underwriting teams.
- Company: Join a diverse company committed to equality and innovation in financial services.
- Benefits: Enjoy a hybrid work model with flexible office attendance and professional development opportunities.
- Why this job: Make an impact by enhancing fraud prevention and shaping best practices in lending.
- Qualifications: Bachelor's degree in finance or related field; experience in commercial credit and fraud prevention required.
- Other info: Position based in Dunton or Manchester; criminal record check applies.
The predicted salary is between 36000 - 60000 £ per year.
Key Competencies
- Expert commercial credit acumen across diverse entity types and complex deals.
- Advanced practical experience in commercial lending fraud prevention and investigation.
- Strong analytical, critical thinking, and decision-making skills.
- Proven subject matter expertise, leadership, and mentoring abilities.
- Proactive approach to process/policy enhancement and excellent communication skills.
- Meticulous attention to detail.
Minimum Skill Requirements
- Strong progressive commercial credit underwriting experience in financial services.
- Demonstrable expertise underwriting diverse commercial entities.
- Proven hands-on experience in identifying, investigating, and preventing commercial lending fraud typologies.
- Experience as a lead underwriter, specialist, or SME, providing guidance/sign-off on complex cases.
- Track record of developing/delivering training, policies, or best practices within an underwriting/risk function.
- Strong understanding of commercial lending legal structures and documentation.
- Proficiency with commercial credit bureaus, financial analysis tools, and underwriting systems.
- Bachelor\’s degree in finance, Business, Economics, or equivalent professional experience.
Desired Skills (Nice-to-Haves)
- Experience in automotive or asset finance.
- Relevant professional certifications (e.g., CFE, Advanced Commercial Lending).
- Experience managing small projects or process improvement initiatives.
Additional Information
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.
This position is based in Dunton or Manchester, and it is expected the successful candidate will be able to attend the Dunton office or Manchester Business Centre for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements.
As part of our pre-employment checks process, successful candidates will be required to undergo a criminal record check. This will be conducted in line with the Rehabilitation of Offenders Act 1974 and applied only to unspent convictions.
#LI-Hybrid #LI-MT3 #FordCredit
Operational Support & Underwriting Expertise
- Serve as the primary escalation point for high value loans for our SME portfolio lending as well as supporting underwriting for more complex commercial applications.
- Provide expert guidance on deal structuring, financial analysis, business models, sector risk analysis and industry risk.
- Conduct in-depth reviews and underwrite high-risk cases, applying advanced analytical and fraud detection techniques.
Fraud Prevention, Investigation & Enhancement
- Act as the front-line specialist in commercial lending fraud typologies.
- Work with second line teams to develop and refine enhanced due diligence, detection rules, and verification protocols.
- Lead investigations into suspicious applications, collaborating with internal and external teams.
- Analyse fraud attempts to identify systemic weaknesses and recommend preventative measures.
- Monitor emerging fraud threats, regulations, and technological advancements.
Strategic Initiatives & Knowledge Sharing
- Work with our Learning and Development team to design and deliver training to underwriting teams on financial analysis and fraud identification.
- Lead or contribute to strategic projects improving underwriting efficiency and fraud detection.
- Develop best practices, guidelines, and fraud checklists tailored to our portfolio.
- Conduct regular quality checks on underwriters and provide feedback on findings.
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Commercial Lending and Fraud Prevention Analyst employer: Ford Motor Company
Contact Detail:
Ford Motor Company Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Commercial Lending and Fraud Prevention Analyst
✨Tip Number 1
Familiarise yourself with the latest trends in commercial lending fraud. Understanding current fraud typologies and emerging threats will not only enhance your knowledge but also demonstrate your proactive approach during interviews.
✨Tip Number 2
Network with professionals in the financial services sector, especially those involved in underwriting and fraud prevention. Engaging in discussions or attending industry events can provide insights and potentially lead to referrals.
✨Tip Number 3
Showcase your analytical skills by preparing case studies or examples of past experiences where you successfully identified and prevented fraud. This practical demonstration of your expertise can set you apart from other candidates.
✨Tip Number 4
Stay updated on relevant regulations and legal structures related to commercial lending. Being well-versed in these areas will not only boost your confidence but also highlight your commitment to compliance and risk management.
We think you need these skills to ace Commercial Lending and Fraud Prevention Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights your commercial credit acumen and experience in fraud prevention. Use specific examples from your past roles that demonstrate your analytical skills and attention to detail.
Craft a Strong Cover Letter: In your cover letter, emphasise your hands-on experience with commercial lending and fraud investigation. Mention any relevant certifications and how they align with the company's needs.
Showcase Relevant Experience: When detailing your work history, focus on your roles as a lead underwriter or specialist. Highlight any training or policy development you have contributed to, as this aligns with the desired skills for the position.
Prepare for Potential Questions: Anticipate questions related to your experience with fraud detection and prevention. Be ready to discuss specific cases where you identified fraud and the measures you took to address it.
How to prepare for a job interview at Ford Motor Company
✨Showcase Your Expertise
Be prepared to discuss your experience in commercial credit underwriting and fraud prevention. Highlight specific cases where you've successfully identified or prevented fraud, as this will demonstrate your hands-on expertise.
✨Demonstrate Analytical Skills
Expect questions that assess your analytical and critical thinking abilities. Use examples from your past work to illustrate how you approach complex problems and make decisions based on data.
✨Communicate Clearly
Since excellent communication skills are crucial for this role, practice articulating your thoughts clearly and concisely. Be ready to explain complex concepts in a way that is easy to understand.
✨Prepare for Scenario-Based Questions
Anticipate scenario-based questions related to fraud detection and underwriting processes. Think through how you would handle various situations, and be ready to share your thought process and the rationale behind your decisions.
