Organization: Ford Credit Europe (FCE Bank plc)
Location: Manchester Business Centre, 8 First Street, Manchester, M15 4RP, United Kingdom (On-site)
Job Type: Full-time
Application Deadline: 28 January 2026
Start Date: Flexible
Language Requirement: English
Compensation: Competitive package with benefits
About Ford Credit Europe
Ford Credit Europe, the financial services division of Ford Motor Company, provides innovative and flexible vehicle financing solutions across Europe. The Manchester Business Centre serves as a central hub, supporting UK retail customers and European dealers. The organization is committed to a customer-focused approach, delivering robust financial products while fostering a dynamic, collaborative team environment.
Explore: WC Team Leader Claims – Drive Results & Lead Teams with $85.6K-$128.4K Salary
Role Overview
The Automotive Financial Underwriter will be a key contributor to the underwriting team in Manchester, assessing the creditworthiness of both personal and commercial vehicle financing applicants. This role requires balancing business growth with risk management while maintaining compliance with company policies and regulatory standards. The successful candidate will work closely with internal teams and external partners, ensuring clear communication and timely decision-making.
Primary Responsibilities
Credit Analysis & Decision Making
- Conduct detailed financial assessments of commercial clients, reviewing statements, credit reports, business plans, and industry-specific data.
- Make informed lending decisions aligned with company credit policy, risk appetite, and regulatory guidelines.
Dealer Support & Query Management
- Respond to queries from Ford dealers regarding credit applications, lending policies, and processes via phone, email, and other communication channels.
- Collaborate with internal teams (sales, operations, collections) and external partners (brokers, clients) to gather necessary information and communicate decisions effectively.
Compliance & Process Improvement
- Ensure all underwriting activities meet legal, regulatory, and internal policy requirements.
- Contribute to continuous improvement initiatives within underwriting processes and policies.
Required Candidate Profile
Education & Qualifications
- A degree in Finance, Accounting, Business, or a related field is desirable.
Experience & Skills
- 0-5 years of experience in credit underwriting or financial analysis, ideally within automotive finance.
- Strong understanding of financial statements (P&L, Balance Sheet, Cash Flow) and key ratios to assess repayment capacity.
- Analytical mindset with excellent problem-solving abilities and risk assessment skills.
- Exceptional verbal and written communication to explain complex financial concepts clearly.
- Close attention to detail, accuracy, and ability to work both independently and collaboratively.
- Proactive, team-oriented, and adaptable to changing business requirements.
Diversity Commitment
Ford Credit Europe values diversity and equal opportunity, opposing discrimination based on race, religion, gender, age, sexual orientation, disability, or other protected characteristics.
Work Arrangement
This position is primarily on-site at the Manchester Business Centre. The successful candidate will generally be expected to attend the office three days per week and remain flexible in line with business needs. Pre-employment checks, including a criminal record check, will be required in line with the Rehabilitation of Offenders Act 1974.
Application Process
Interested candidates should apply through the official Ford careers page. Ensure all relevant documents are provided for consideration for this role.