Dealer Credit Analyst

### Tasks **Inside the Role** Daimler 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. **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, and experience. Benefits include: - Annual bonus program - 401k company contribution with company match up to 6% as well as non-elective company contribution of 3 to 7% depending on age - Starting at 4 weeks paid vacation - 15 calendar holidays - 8 weeks paid parental leave - Employee assistance program - Comprehensive healthcare plans and wellness programs - Onsite fitness (at some locations) - Tuition assistance and volunteer paid time off - Short-term and long-term disability plans **What You Drive at DTFS** - Prepare, analyze and submit new credit requests, as well as file reviews, to the Dealer Credit Manager providing sound and reasoned explanations - Perform 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 dealership - Make recommendations regarding subordination, guarantees, state legal requirements, UCC's and other forms or agreements which protect the interests of Daimler Truck Financial - Prepare and maintain dealer document files in accordance with established procedure - Provide daily service to DRM's/RFM's, Region Managers, dealer personnel, and management regarding credit files, system issues, approvals/contingencies, documentation and financial statements - Review wholesale inventory and book audits and make recommendations to the Dealer Credit Manager on audit issues and exceptions - Communicate with Dealer personnel during all stages of the credit request and maintenance process including monthly financial statement reviews **Knowledge You Should Bring** - BS/BA and prefer 2 to 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 finance - Risk assessment or portfolio management - Ability to collect data and establish facts and identify trends and variance **Exceptional Candidates Might Have** - Bachelor’s Degree preferred with focus in Business Administration, Accounting, Finance, Mathematics, or Statistics - 3+ years of experience in fundamental accounting and/or automotive industry commercial finance - Experience 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 and analysis skills - Effective teamwork and collaboration capabilities **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. Daimler 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 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 503-745-8982 or toll-free 800-206-3369. For TTY/TDD enabled, call 503-745-2137 or toll-free 866-355-6935. **Qualifications** Please see above for qualification details.