Financial Service Agent

Select Engineering; Manchester; Hybrid; GBP 32,000 - 45,000; Full time

Job summary

Ford Credit Europe (FCE Bank plc) in Manchester is expanding its underwriting team and seeking skilled professionals for an Agency Dealer Services role. The position involves assessing credit risk for commercial clients, making lending decisions, and resolving dealer queries within policy and regulatory guidelines.

Based in Manchester, the role is hybrid, requiring attendance at the Manchester Business Centre for several days weekly with flexibility.

Qualifications

• Knowledge of credit underwriting principles and financial statement analysis.
• Ability to assess risk and make lending decisions within policy.
• Experience in handling dealer queries regarding credit processes and policies.
• Strong communication with internal and external stakeholders to explain underwriting decisions.

Responsibilities

• Conduct thorough financial analysis of commercial clients to assess risk.
• Make underwriting decisions aligned with credit policy and regulatory guidelines.
• Respond to and resolve dealer queries via phone, email and other channels.
• Collaborate with sales, operations, and collections to gather required information.

Skills

Credit assessment

Decision making

Dealer query resolution

Communication & collaboration

Compliance

Process improvement

Job description

Position Description:

Agency Dealer Services Agent Manchester Business Centre Description 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. We pride ourselves on our customer-centric approach, robust financial products, and a dynamic team that drives our success. As we continue to expand our underwriting team in Manchester, we are looking for talented individuals to join us.

Your primary responsibilities will include:

Skills Required:

• Credit Assessment: Conducting thorough financial analysis of commercial clients, including reviewing financial statements, credit reports, business plans, and industry specific data to determine risk levels.
• Decision Making: Making informed and sound 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: Responding to and resolving queries from Ford dealers regarding credit applications, processes, and policies, primarily via phone, email, and other communication channels.
• Communication & Collaboration: Engaging effectively with internal stakeholders (sales, operations, collections) and external partners (brokers, clients) to gather necessary information and communicate underwriting decisions clearly and concisely.
• Compliance: Ensuring all underwriting activities adhere to relevant legal, regulatory, and internal policy requirements.
• Process Improvement: Contributing to the continuous improvement of underwriting processes and policies.

Skills Preferred:

Qualifications: We are seeking an enthusiastic and analytical individual with a passion for finance and a keen eye for detail. While experience in commercial underwriting is highly valued, we are open to candidates at various stages of their career.

Experience: 0-5 years of experience in credit underwriting or financial analysis, ideally within an automotive finance environment. This could include experience assessing both personal (retail) and commercial customer credit profiles for vehicle financing. A strong understanding of the unique credit considerations for both individual consumers and small to medium-sized businesses is highly desirable.

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.

Experience Required:

Risk Assessment: A solid grasp of risk assessment principles and the 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.

Education Required:

This is a UK position and applications will only be accepted from current UK permanent employees (FoB and 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 (even if you currently do not have a job-share partner). The Job Share Connect tool allows you to create your profile and then find a job share match. This position is based in Manchester, and it is expected the successful candidate will be able to attend the Manchester Business Centre for typically 3 days a week and remain flexible on the days they are required to attend the office according to business requirements