Fleet Credit Analyst

### Tasks **Inside the Role** The Fleet Credit team is responsible for Daimler Truck Financial Services' commercial retail and lease acquisitions for Fleet customers with balances above $1.25MM. Analysts demonstrate account knowledge, industry and customer business understanding, financial statement analysis, negotiation techniques, and strategic solutions. They maintain positive relationships with the DTFS Sales Team and Dealer network to assist with profitable growth in the portfolio. Fleet Credit Analysts work closely with inside and outside Legal Counsel, Fleet Workout, Sales, Remarketing, Fleet Services, Titles, and Dealer Credit teams. The role involves account knowledge, industry and customer business understanding, financial statement analysis, negotiation techniques, and strategic solutions. The team values extensive experience, camaraderie, support, knowledge sharing, and teamwork. **Posting Information** We provide a scheduled posting end date to assist 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 depends 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 Will Do at DTFS** - Analyze the financial condition of Fleet borrowers with outstanding balances exceeding $1.25MM, or those requesting a line of credit. - Perform timely reviews of Fleet borrowers with outstanding balances over $1MM. - Present sound and reasoned recommendations to the appropriate approving authorities for credit files outside of limits of authority, such as Local, Senior, and Executive Credit Committees. - Build positive relationships and collaborate with District Finance Managers (DFMs) on buying strategies to ensure proper credit risk and returns are achieved. - Participate in joint Sales calls and Customer/Dealer visits, when necessary. - Understand all Fleet-related legal documentation to remain compliant and ensure DTFS perfection. - Ensure compliance with all applicable regulations, including both Local and Global Credit Rules. - Assist with training and coaching other fleet collectors, both new and as needed. Share knowledge to increase overall team performance. - Support department projects, process improvements, company values, and customer experience. **Knowledge You Should Bring** - Bachelor’s degree or 2-4 years of relevant experience (or 6 years of relevant experience in lieu of degree). - 2 years of experience working in a general business field. - 1 year of experience working with credit. - Proficiency with Microsoft Suite (advanced user of Outlook and Excel). - Strong attention to detail. - Ability to collect data, establish facts, and identify trends and variances. **Exceptional Candidates Might Have** - Bachelor’s degree in Business Administration, Accounting, Finance, Economics, or Statistics. - 2 years of financial analysis and presentation skills. - 1 year of Moody’s software application experience. - 2 years of commercial lending experience in the transportation industry. - Knowledge of DTFS systems and applications such as ALFA, PEGA, ECP, Credit Lens, Legal Documentation, and UCC. - Ability to integrate information from a variety of sources with varied levels of complexity. - Ability to formulate and test hypotheses for forecasting outcomes. - Ability to review, interpret, and evaluate statistical information. - Support department projects, process improvements, company values, and customer experience. **Where We Work** This position is open to applicants who can work in or relocate to Charlotte, NC, US. Relocation assistance is not available for this position. **Schedule Type** Hybrid schedule: 4 days per week in-office and 1 day remote. This schedule supports the #OneTeamBestTeam culture, enhances customer experience, and fosters innovative solutions through in-person collaboration. Daimler Truck Financial Services (DTFS) 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. With over 40 years of experience, DTFS specializes in financing commercial vehicles and offers critical insights to help businesses overcome challenges unique to the trucking industry. DTFS provides customized financing solutions for individual businesses, from owner-operators to large fleet managers. To achieve our goal of being the first-choice provider of vehicle financial products and services, we are looking for talented, diverse, and inspired individuals with the skills, experience, and innovative spirit to provide a first-class experience. We are committed to fostering a workplace environment that values openness, support, and camaraderie. Our employee programs and benefits 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 candidates 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 full-time positions. - Daimler Truck Financial Services is an equal opportunity employer for Disabled/Veterans. For accommodations or special assistance with applying for a position, please contact our Human Resources department at 503-745-8982 or toll-free at 800-206-3369. For TTY/TDD-enabled calls, dial 503-745-2137 or toll-free at 866-355-6935. ### Qualifications Please see above for qualification details.