Dealer Credit Analyst

Dealer Credit Analyst

Analyze the financial condition of automobile and/or bodybuilder dealerships and affiliated companies of the dealership entities 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.

Responsibilities include:

• Analyzing the financial condition of automobile and/or bodybuilder dealerships and affiliated companies of the dealership entities for the purpose of extending new lines of credit or continuing existing lines of credit.
• Performing monthly reviews of dealership financial statements and making sound and reasoned recommendations to the Dealer Credit Manager based on guidelines established by Mercedes Benz and previous experience with the dealership.
• Making recommendations regarding subordination, guarantees, state legal requirements, UCC's and other forms or agreements which protect the interests of Mercedes Benz Financial Services.
• Preparing and maintaining dealer document files in accordance with established procedure.
• Providing daily service to DRM's/RFM's, Region Managers, dealer personnel, and management regarding credit files, system issues, approvals/contingencies, documentation and financial statements.
• Reviewing wholesale inventory and book audits and making recommendations to the Dealer Credit Manager on audit issues and exceptions.
• Communicating with Dealer personnel during all stages of the credit request and maintenance process including monthly financial statement reviews.

Qualifications:

• Legally authorized to work in the U.S. at the time of application.
• Minimum of 3 years of overall work experience.
• Preferred experience includes: Accounting - General (1 year), Business - General (3 years comprehensive), Credit - (3 years comprehensive), Finance - General (1 year), Risk Management - General.
• High School Diploma/(GED) is required, Bachelor's Degree is preferred. Recommended majors include: Accounting, Business Administration, Finance, Mathematics, Statistics.
• 3-5 years prior credit experience in a lending environment preferred.
• Experience in Wholesale Audit preferred.
• Candidate should have a fundamental accounting and finance knowledge.

Skills:

• Analytical skills - Ability to collect and establish facts and identify trends and variances, Ability to integrate information from a variety of sources with varied levels of complexity.
• PC skills - Corporate Mainframe, Microsoft Office, SAP
• Presentation skills
• Problem Solving skills

Additional Skills:

• Salesforce, Microsoft Edge, Microsoft Word and Excel
• Experience with Sopra DM, SFPW CAP Loan system, GeoFence, and/or CRD preferred.
• Customer Focus; Flexibility & Adapting to Change; Relationship Building; Attention to Detail; Teamwork and Collaboration.

Recommended Prerequisites:

• Retail Credit Analyst
• Wholesale Inventory Auditor