Dealer Credit Analyst

Inside the RoleDaimler Truck Financial Services is the captive financial services provider for Daimler Truck North America. DTFS Dealer Credit provides floorplan inventory financing, along with a suite of other financing products to support Freightliner, Western Star, and Thomas Built Bus dealerships, as well as Truck Equipment Manufacturers that utilize these brands. Dealer Credit Analysts analyze the financial condition of commercial vehicle dealerships and/or truck equipment manufacturers and their affiliated companies for the purpose of extending new lines of credit or continuing existing lines of credit. Analysis is accompanied by a recommendation to the appropriate level of credit authority. Dealer Credit Analysts are also responsible for continuous monitoring of all borrowers, their financial performance, and proper payment of all lines of credit. In this role, Analysts must communicate with Dealer Principles/Owners and Chief Financial Officers, Field Sales Team, Credit Management, and Legal Counsel on a regular basis.What You Drive at DTFSPrepare, analyze and submit new credit requests, as well as file reviews, to the Dealer Credit Manager providing sound and reasoned explanationsPerform monthly reviews of dealership financial statements and make sound and reasoned recommendations to the Dealer Credit Manager based on guidelines established by Daimler Truck Financial and previous experience with the dealershipMake recommendations regarding subordination, guarantees, state legal requirements, UCC's and other forms or agreements which protect the interests of Daimler Truck FinancialPrepare and maintain dealer document files in accordance with established procedureProvide daily service to DRM's/RFM's, Region Managers, dealer personnel, and management regarding credit files, system issues, approvals/contingencies, documentation and financial statementsReview wholesale inventory and book audits and make recommendations to the Dealer Credit Manager on audit issues and exceptionsCommunicate with Dealer personnel during all stages of the credit request and maintenance process including monthly financial statement reviewsKnowledge You Should BringBS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience in lieu of degree.Experience in credit analysis and automotive commercial underwriting.Financial statement review and cashflow analysis.Commercial lending or dealer financeRisk assessment or portfolio managementAbility to collect data and establish facts and identify trends and varianceExceptional Candidates Might HaveBachelor's Degree preferred with focus in Business Administration, Accounting, Finance, Mathematics, or Statistics years3+ years of experience in fundamental accounting and/or automotive industry commercial financeExperience in Wholesale Audit.Understanding of Universal Commercial Code (UCC)Demonstrated business acumen, including the ability to understand dealership operations, financial drivers, and market dynamics to assess creditworthiness and risk.Proven organizational savvy, with the ability to navigate complex structures, build cross-functional relationships, and influence stakeholders effectively within a corporate environment.Demonstrated Customer Focus and ability to build strong relationships.Proven Flexibility and ability to Adapt to Change.Exceptional Attention to Detail and Problem Solving & Analysis skills.Effective Teamwork and Collaboration capabilities.Where We WorkThis 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.Daimler Truck FinancialDaimler Truck Financial is the captive financial services provider for the Daimler Trucks North America family of commercial vehicle products, including Freightliner Trucks, Western Star, SelecTrucks, Sprinter Vans, Thomas Built Buses and Fuso. We have specialized in financing commercial vehicles for more than 40 years. This proven experience gives us critical insights into helping businesses overcome challenges unique to the trucking industry. Additionally, we offer a range of financing solutions that can be customized to meet each individual business's needs, from owner-operators to large fleet managers and nearly every venture in-between.To achieve our goal of being the first-choice provider of vehicle financial products and services that support our brands, dealers and customers, we are looking for talented, diverse and inspired people with the skills, experience and innovative spirit to provide a first-class experience at every turn. We are committed to providing a great workplace environment that fosters a culture of openness, support and camaraderie. Our employee programs and benefits are reflective of our values and are designed to promote growth, balance and wellness in many aspects of your career and life.Additional InformationApplicants must be legally authorized to work permanently in the country of postingFinal candidate must successfully complete a criminal background checkContractors, professional services, or other contingent workers should confirm with their local agency if they are eligible to apply for FTE positionsEEO - Disabled/VeteransDaimler 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