At a Glance
- Tasks: Manage credit risk for a dynamic Dealer lending portfolio and collaborate with industry experts.
- Company: Join a leading automotive brand committed to diversity and innovation.
- Benefits: Flexible working options, competitive salary, and opportunities for professional growth.
- Other info: Full-time role based in Dunton with flexible job-share options available.
- Why this job: Make an impact in the automotive finance sector while developing your skills.
- Qualifications: Fluent in French and English with strong credit analysis experience.
The predicted salary is between 50000 - 60000 £ per year.
The Dealer Credit Specialist ("DCS") is responsible for the full cycle credit risk management of a Regional Dealer lending portfolio, including medium to high risk and high complexity/exposure Dealers representing the Ford brand, covering primary and other markets. Proactively managing the Dealer Lending Portfolio in line with the required timings, processes, policies and legal/regulatory framework. Working with external advisors including lawyers/accountants and third-party funders to establish and manage impact on Ford Credit's security position and overall risk position. Building, developing and managing relationships with senior management of Dealers, location management, various NSC functions (e.g. Dealer Operations/Legal) and central teams (e.g. Second Line of Defence/Legal). Building and maintaining the right level of understanding of risk-analysis and supporting other DCSs, Business Support Specialists ("BSSs") and Dealer Credit Analysts ("DCAs") in the wider Dealer Credit team (including Ford Credit Global Business Centre ("FCGBC")) with this understanding.
Responsibilities
- Preparing, proposing and presenting (if applicable) high quality recommendations on (higher risk/complexity/lend) credit proposals, credit conditions and action items, up to and including CLA1 (US Lending Committee), ensuring the relevant committee can take fully informed credit decisions and that the candidate is a key participant in the committee if required.
- Structuring, negotiating and managing to completion any ad-hoc or non-standard credit risk proposals outside of the standard Dealer Review Schedule timings.
- Leading the Dealer Portfolio Review Committee ("DPRC") and Dealer Credit Operations Committee ("DCOC") and actively participating in all other relevant Credit Committees / Governance Meetings, including Joint Risk Meetings ("JRM") with the NSC.
- Providing timely input, where required, into the various Portfolio Reporting tasks (e.g. Large Exposure, Over-limit, Over-level etc) or other Dealer reporting.
- Ensure that Credit Reviews are conducted to high quality and deadlines per agreed Objectives.
- Utilise the Quality Tools (e.g. Risk Assessment Tool) to review credit packs performed by DCAs and provide constructive feedback to drive up Dealer Credit quality.
- Develop, deliver and support best practice workshops and support other learning / coaching opportunities.
Profile / Qualifications
- Are you an experienced commercial credit professional fluent in French and English?
- Credit Analysis knowledge and experience.
- Strong track record of delivering results with minimal supervision.
- Understand and consistently apply fair treatment of customers.
- Strong customer focus and commitment to quality.
- Ability to communicate effectively at all levels, both internally and externally.
- Ability to quickly learn new knowledge and skills and to work independently to meet tight deadlines.
Desirable requirements
- Fluent in Spanish and / or Italian.
- Educated to degree level or equivalent experience within FCE.
Additional Information
This is a UK position and applications will only be accepted from current UK permanent employees (FCE employees only). 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 is a full-time role, however we are keen to encourage applications from applicants who work flexibly including job-share applicants, who would like to work with another job-share applicant to do this role. The Job Share Connect tool allows you to create your profile and then find a job share match. This position is based in Dunton, and it is expected the successful candidate will be able to attend the Dunton for typically 4 days a week and remain flexible on the days they are required to attend the office according to business requirements.
Dealer Credit Specialist in Manchester employer: Ford Motor Company
As a Dealer Credit Specialist at Ford, you will thrive in a dynamic work environment that prioritises employee growth and development. With a strong commitment to diversity and inclusion, the company fosters a collaborative culture where your contributions are valued, and you can engage with senior management and external advisors to make impactful decisions. Located in Dunton, this role offers flexibility and the opportunity to work alongside a dedicated team, ensuring that you can balance professional responsibilities with personal commitments.
StudySmarter Expert Advice🤫
We think this is how you could land Dealer Credit Specialist in Manchester
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Ford Motor Company. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Dealer Credit Specialist in Manchester
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Ford Motor Company.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Ford Motor Company's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Ford Motor Company
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Ford Motor Company.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Ford Motor Company will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Ford Motor Company employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
