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Financial specialist in car, hard worker and certain winner? (8,6)

Ross

I believe the answer is:

merchant banker

I'm a little stuck... Click here to teach me more about this clue!

'financial specialist' is the definition.
(I've seen this before)

'hard worker and certain winner?' is the wordplay.
'hard worker' becomes 'ant'.
'and' means one lot of letters go next to another.
'certain' becomes 'merch' (I am not sure about this - if you are sure you should give a lot more credence to this answer).
'winner?' becomes 'banker' (I have seen 'Sure winner' mean 'banker' so perhaps 'winner' could also mean 'banker').
'ant' after 'merch' is 'merchant'.
'merchant'+'banker'='MERCHANT BANKER'

'in car' acts as a link.
I am not very happy about this link. Some or all of it may be part of another bit of the clue.

Can you help me to learn more?

(Another definition for merchant banker that I've seen is " Financial specialist".)

I've seen this clue in The Times.
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