Dealer Credit Specialist

Ford Credit Europe is seeking a Dealer Credit Specialist to join their team at the Manchester Business Centre. As a Dealer Credit Specialist, you will manage wholesale lending and credit risk for Ford franchised dealerships in France, with opportunities to support other European markets.

The role involves managing lending to a diverse range of dealer borrowers, including complex and high-risk accounts, ensuring the portfolio remains secure and losses are minimized. You will have direct exposure to senior European leadership, national sales divisions, and global credit committees.

Responsibilities:

• Manage the full-cycle credit risk of an assigned commercial dealer lending portfolio
• Collaborate with external advisors to establish and protect Ford Credit's security and collateral positions
• Structure, negotiate, and finalize non-standard credit proposals to minimize financial risk
• Present high-quality credit proposals and risk mitigation strategies to senior European and US-based credit committees
• Develop and maintain strong partnerships with dealership principals, regional sales teams, and internal departments
• Participate in governance meetings, portfolio reviews, and risk committees
• Conduct quality reviews of credit proposals prepared by junior analysts

Qualifications:

• Professional fluency in both English and French (written and spoken)
• Proven experience in commercial/corporate credit analysis, underworking, or commercial lending
• Strong ability to analyze complex corporate financial statements and identify risk indicators
• Solid understanding of how lenders protect themselves
• Excellent communication and presentation skills
• Ability to work independently, prioritize a high-volume portfolio, and meet tight deadlines