Dealer Credit Specialist

Overview

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.

• 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.

• 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

• Fluent in Spanish and / or Italian
• Educated to degree level or equivalent experience within FCE

• 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.