Financial Dealer Services Agent

Financial Dealer Services Agent

6 Months Contract

Location Manchester

£17.96 - Inside IR35 (Umbrella Rate)

Position Description:

• The financial services arm of our Client plays a crucial role in supporting the automotive business across Europe.
• The Client are dedicated to providing innovative and flexible vehicle financing solutions, enabling millions of customers to drive the Clients vehicle they need and helping the dealer network stock the dealerships.
• Our Client prides themselves on their customer-centric approach, robust financial products, and a dynamic team that drives success.
• As the Client continues to expand the underwriting team in Manchester, our Client are looking for talented individuals to join.

Skills Required:

• As a Dealer Services Agent, you ll play a crucial role in one of our key retail departments by assessing the creditworthiness of potential customers for both Personal & Commercial lending.
• Your primary responsibilities will include:
• 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 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.

Experience Required:

• Our Client 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, they 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.
• 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.

Additional Information :

• Location: Manchester Hybrid (minimum 3 days per week in the office) after training completed.
• Since training is provided during the first few weeks, please keep annual leave bookings in mind, candidates will need to be on site for 5 days while training is ongoing.