Commercial Credit Analyst

Inside the Role As a Commercial Credit and Restructuring Analyst, you’ll be at the forefront of managing financial risk across our commercial fleet customer base. This role blends operations, collections, and credit functions to ensure timely payment collection and deliver tailored workout solutions during times of financial distress. You’ll work closely with internal teams and external legal counsel to negotiate restructures, manage Special Assets accounts, and protect Daimler Truck Financial Service’s collateral and security position. With exposure to executive management through the Special Assets Committee, this role offers a dynamic environment where your expertise directly influences the company’s financial health. You’ll also support Canadian fleet customers with relief and restructure requests, contributing to a collaborative and high-performing team culture. Posting Information We provide a scheduled posting end date to assist our candidates with their application planning. While this date reflects our latest plans, it is subject to change, and postings may be extended or removed earlier than expected. We Take Care of Our Team Pay offered dependent on knowledge, skills, andexperience annual bonus program 401kcompany contribution with company match up to6% as well as non‑elective company contribution of3 - 7% depending on age starting at 4 weeks paidvacation 15 calendar holidays 8 weeks paidparental leave employee assistance program comprehensive healthcare plans and wellnessprograms onsite fitness (at some locations) tuitionassistance and volunteer paid time off short‑termand long‑term disability plans What You Drive at DTFS Manage a portfolio of distressed commercial fleet accounts with balances ranging from $1M to $400M+. Ensure timely collections and negotiate customized workout solutions including payment plans, collateral returns, and asset liquidation. Conduct operational and financial analysis of fleet customers, including review of financial statements and economic trends. Prepare detailed restructure proposals and present recommendations to senior management and credit committees. Monitor Special Assets accounts, maintain SAC database, and ensure compliance with internal guidelines and credit rules. Support compliance efforts by adhering to local and global credit regulations. Assist in training and coaching fleet collectors to enhance team performance and reduce company risk. Contribute to departmental projects, process improvements, and uphold DTFS values. Knowledge You Should Bring BS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience in lieu of degree. 2 + years of overall work experience in commercial finance. Strong credit and collections knowledge. Proficiency in Microsoft Office and mainframe systems. Strong analytical skills and ability to interpret financial data. Exceptional Candidates might have Experience with DTFS systems and applications: ALFA, PEGA, ECredit Pro, Credit Lens (Moody’s). Understanding of legal documentation and UCC code. French language proficiency Where We Work This position is open to applicants who can work in (or relocate to) the following location(s)- Charlotte, NC US. Relocation assistance is not available for this position. Schedule Type: Hybrid (4 days per week in-office / 1 day remote). This schedule builds our #OneTeamBestTeam culture, provides an unparalleled customer experience, and creates innovative solutions through in-person collaboration. Additional Information Applicants must be legally authorized to work permanently in the country of posting Final candidate must successfully complete a criminal background check Contractors, professional services, or other contingent workers should confirm with their local agency if they are eligible to apply for FTE positions EEO - Disabled/Veterans Daimler Truck Financial Services is committed to workforce inclusion and providing an environment where equal employment opportunities are available to all applicants and employees without regard to race, color, sex (including pregnancy), religion, national origin, age, marital status, family relationship, disability, sexual orientation, gender identity and expression (including transgender and transitioning status), genetic information, or veteran status. For an accommodation or special assistance with applying for a posted position, please contact our Human Resources department at View phone number on click.appcast.io or toll free View phone number on click.appcast.io. For TTY/TDD enabled call View phone number on click.appcast.io or toll free View phone number on click.appcast.io SHAPE YOUR FUTURE. CHANGE THE WORLD. Are you ready to join the inspired people who are helping shape the future of commercial vehicle manufacturing? Our employees enjoy lucrative benefits, competitive salaries and the opportunity to work in jobs across many functions—mechanical engineering and electrical engineering, accounting, sales & marketing, IT and more—both within our company and in our offices around the world. #J-18808-Ljbffr