Small Business Credit Analyst

Tasks

Inside the Role

Job Description Summary
Responsible for making sound credit decisions regarding credit extensions and credit limits to maximize profitability while minimizing credit risk and losses. Maintains accurate, current financial information on existing and prospective customers and uses data-driven analysis to guide credit and risk-related decisions that support the organization.
In addition to core credit responsibilities, this role develops, evaluates, and enhances general business processes (non-manufacturing) to improve overall operational effectiveness. Applies process definition, improvement, and design methodologies to streamline workflows, reduce costs, eliminate waste, increase efficiency, and enhance customer satisfaction. Creates documentation to support analysis and improvement efforts, including business requirements, functional specifications, process maps, and gap analyses. Plans and implements quality assurance and compliance processes and may assist in developing training or change-management materials related to new or updated procedures.
This role supports the BPQ goal of fostering a continuous improvement mindset, driving automation, digitalization, and process optimization to strengthen efficiency, effectiveness, and organizational performance.
The position supports both U.S. and Canadian operations, including the review and adjudication of Canadian credit applications and management of the Canadian credit portfolio. The incumbent must be able to effectively communicate with dealers, customers, and business partners in both English and French.

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 3-7% 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

Responsibilities include: - Analyze, investigate, and decision retail and lease applications, including applications within the Canadian credit portfolio - Communicate credit decisions to dealers via phone and eCredit Pro in both English and French, as required - Negotiate conditioned approvals and alternative structures with dealers - Build positive working relationships with assigned dealers and regions, including Canadian dealer partners. Provide courteous, consultative, and timely customer service to dealers in both English and French, where applicable - Work with District Finance Managers on buying strategies for assigned dealerships to ensure proper credit risk and return are achieved. Support District Finance Managers in communicating the Daimler Truck Financial Services value proposition - Validate application information, collect additional data, and collaborate with the discounting team to resolve funding discrepancies while ensuring compliance with applicable U.S. and Canadian credit policies and procedures - Work first-payment defaults and follow up on customers coming off extensions. Act as a liaison between collections and dealers - Travel to assigned dealerships to review business performance in conjunction with District Finance Managers (5%) - Support continuous improvement initiatives by identifying opportunities for process enhancement, automation, risk mitigation, and operational efficiencies within U.S. and Canadian credit operations

Knowledge You Should Bring

Required qualifications: - BS/BA and preferably 0-2 years of relevant experience, or 4 years of relevant experience in lieu of a degree - 1 year hands-on experience with credit analysis and underwriting - 1 year of experience in Finance, Truck Discounting, Truck Remarketing, Fleet Services, Collections, Customer Service - Experience with Microsoft Office Suite

Exceptional Candidates Might Have

Preferred qualifications: - Fluency in both English and French (written and verbal) - Previous experience supporting a Canadian credit portfolio or bilingual customer-facing environment - Experience working with credit underwriting, risk management, or commercial and retail lending processes across multiple markets - Knowledge of Canadian credit policies, lending regulations, and dealer/customer support requirements

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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

Important details: - 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.