Commercial Lending and Fraud Prevention Specialist

Ford Motor Company; Manchester; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

A leading automotive firm is seeking a Commercial Lending and Fraud Prevention Analyst to enhance underwriting processes and combat financial crime. The ideal candidate will have extensive experience in commercial credit and fraud prevention, along with strong analytical skills. This role is based in either Dunton or Manchester, requiring flexible attendance to the office. This position offers an opportunity to contribute to a critical area of the business.

Qualifications

• Strong experience in commercial credit underwriting in financial services.
• Expertise in underwriting diverse commercial entities.
• Hands-on experience preventing commercial lending fraud.

Responsibilities

• Provide operational support for commercial applications.
• Lead initiatives to enhance underwriting framework.

Skills

Commercial credit acumen

Fraud prevention expertise

Analytical skills

Decision-making skills

Leadership abilities

Communication skills

Attention to detail

Education

Bachelor’s degree in finance, Business, Economics or equivalent

Tools

Fraud detection software

Financial analysis tools

Job description

The Opportunity As our commercial portfolio expands and financial crime evolves; we're creating a critical new role for a seasoned Commercial Underwriting expert. This high-impact position is vital to protecting our business and empowering our underwriting teams by providing specialist fraud prevention knowledge and strategic process improvements.

Role Summary

The Commercial Lending and Fraud Prevention Analyst is a dual-focused Subject Matter Expert. You'll provide critical operational support for commercial applications focused on an SME portfolio, while leading strategic initiatives to enhance our underwriting framework, with a strong emphasis on fraud prevention. This role significantly strengthens our ability to assess credit risk and combat financial crime.

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 identifying, investigating, and preventing specific 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.
• Experience with specific fraud detection software / verification tools

Desired Skills (Nice-to-Haves)

• Experience in automotive or asset finance.
• Relevant professional certifications (., 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.