Dealer Credit Specialist

About the role

Ford Credit Europe is seeking an experienced commercial credit professional who is fluent in both French and English. Based at the Manchester Business Centre, you will manage wholesale lending and credit risk for Ford franchised dealerships in France and support other European markets, working closely with senior European leadership and global credit committees.

Key responsibilities

• Manage the full‑cycle credit risk of a commercial dealer lending portfolio, focusing on complex, high‑exposure and medium‑to‑high‑risk accounts.
• Collaborate with external advisors and third‑party funders to protect Ford Credit’s security and collateral positions.
• Structure, negotiate and finalize non‑standard credit proposals to minimise financial risk.
• Prepare and present credit proposals and risk mitigation strategies to senior European and US‑based credit committees.
• Develop strong partnerships with dealership principals, regional sales teams and internal legal/operations departments.
• Participate in and lead governance meetings, portfolio reviews and risk committees.
• Conduct quality reviews of junior analysts’ credit proposals and provide coaching to maintain underwriting standards.

Required profile

• Professional fluency in English and French (written and spoken).
• Proven experience in commercial/corporate credit analysis, underwriting or commercial lending.
• Strong ability to analyse complex corporate financial statements (P&L, balance sheet, cash flow) and identify risk indicators.
• Solid understanding of lender security mechanisms such as assets, guarantees and collateral.
• Excellent communication and presentation skills with confidence to defend credit decisions to senior executives.
• Ability to work independently, prioritise a high‑volume portfolio and meet tight deadlines.

Required skills

• Financial statement analysis
• Credit underwriting
• Risk assessment and mitigation

What we offer

• Hybrid working model – minimum three days per week onsite with flexibility to increase.
• Direct exposure to senior leadership and global credit committees.
• Opportunity to work on high‑visibility, complex credit portfolios across Europe.