Corporate Credit Specialist - Milton Keynes in Northampton

About The Role

SALARY: Starting from £28,708.80 pa dependent on experience

LOCATION: Milton Keynes

HYBRID WORKING: Our current hybrid working policy requires a minimum of 60% of working time to be based in the Milton Keynes office however flexibility is expected to meet the needs of the business and the role.

HOURS / CONTRACT TYPE: Full Time Permanent, 32.5 hours per week

CLOSING DATE: 09/03/2026. We reserve the right to close the advert earlier if we receive a high volume of applications.

We are looking for a Corporate Credit Specialist to drive the smooth, accurate and consistent delivery of the end‐to‐end credit assessment process for all our Dealers. This high‐impact, analytical role will play a key part in strengthening our decision‐making by producing insightful operational reporting, uncovering anomalies, and safeguarding the integrity of our data. You will also support the Corporate Credit Assessment Team in managing and controlling wholesale funding limits—helping ensure our portfolio operates with clarity and control.

What you will be doing:

• Comply with all VW Bank UK rules, regulations and standards, including the European Organisational Handbook (E‐OHB).
• Analyse, interpret and input audited company accounts to maintain accurate Dealer risk ratings in the BERTA system.
• Manage the end‐to‐end Dealer credit assessment process, ensuring all required documentation is collected, validated and approved within strict Section 18 German Banking Act timelines.
• Prepare Dealer credit packs with the Credit Manager, carrying out financial analysis, assessing business structures (KYC), and requesting any additional information needed.
• Administer and maintain systems used in the credit review process, completing End‐of‐Review tasks and ensuring all updates, diaries and scanned documents are recorded accurately.
• Produce selected legal documentation for approval by the Credit Manager and/or Legal to ensure full legal compliance.
• Register legal charges with Companies House and Land Registry to ensure Volkswagen Bank's security interests are properly recorded.
• Work with the Credit Manager team and the Dealer network to support day‐to‐day relationship management, including limit switch requests and query resolution.
• Generate monthly performance reporting (dashboards, KPIs) using systems such as SAP BW, SAP BCA, Experian, Companies House, Section 18, SLI Dealer Portal and BERTA.
• Provide administrative support during Dealer closures, terminations or failures.
• Maintain and update procedures, policies and ARIS maps to ensure they remain accurate, relevant and compliant with E‐OHB and UK/German legislation.
• Ensure all daily activities are completed in line with E‐OHB requirements.
• Build knowledge of Volkswagen Bank products to better support the Credit Manager team and identify sales opportunities.

Essential experience & skills:

• Experience in financial services, banking and/or the motor industry.
• Good understanding of balance sheets, financial ratios and security structures.
• Strong drive, personal commitment and a desire to continuously develop skills and knowledge.
• Proven ability to understand, interpret and work confidently with financial information.
• A methodical, disciplined and proactive approach, with the focus needed to deliver in a fast‐paced environment.
• Highly organised and self‐motivated, with the ability to manage multiple tasks, use initiative and meet deadlines.
• Customer‐focused team player with excellent communication and interpersonal skills, able to build strong relationships at senior levels.
• Positive attitude with the confidence to challenge appropriately when needed.
• Agile mindset, able to adapt quickly to change, learn fast and respond effectively to new requirements.
• Proficient in Microsoft Excel, Word and PowerPoint.

What's in it for you?

• Bonus: Discretionary 10% on-target bonus (based on personal and Group company performance)
• Pension: Employer pension contribution of 9% (based on employee contribution of 3%). VWFS will pay 6% if employee chooses a 2% employee contribution.
• Car schemes: Choice of Employee Car Ownership (ECO) scheme for petrol/diesel and hybrid vehicles plus car insurance. OR Company Car scheme for Battery Electric Vehicles (BEVs) plus car insurance cover for you and a partner/eligible family member.
• Other benefits: From day 1 we provide income protection, life assurance (4x salary), retail discount vouchers, access to Care Concierge (a service to support carers of adults), along with other salary sacrifice options including a will writing service and cycle to work (subject to scheme restrictions).
• Following successful completion of probation, you will have access to private medical insurance for you (with the option to buy additional family cover), access to our loan car scheme for up to 2 cars for your partner or eligible family members (subject to scheme restrictions) and during our annual benefit window you can purchase critical illness cover and dental cover, so you can select the benefits that matter to you.
• We invest in our people and are passionate about driving development. You will have access to LinkedIn Learning via our Degreed platform as well as a host of professional development programmes and opportunities to build your technical and soft skills so you can further develop your career. We also offer mentoring schemes and reciprocal partnerships recognising that we can all learn from each other in the flow of work.

VWFS is proud to be an inclusive employer and encourages applications from a diverse range of candidates. Diversity, Equity & Inclusion isn't just a statement for us, we encourage and aspire for all our colleagues to be their 100% self. If you need any reasonable adjustments to assist you with the application and/or recruitment processes, please contact our Resourcing Team.

This role does not meet the UKVI's criteria for the skilled worker sponsorship route, therefore we are unable to accept candidates requiring sponsorship for this role.