Commercial Credit and Restructuring Analyst
About The Position
As a Commercial Credit and Restructuring Analyst, you’ll be at the forefront of managing financial risk across our commercial fleet customer base. This role blends operations, collections, and credit functions to ensure timely payment collection and deliver tailored workout solutions during times of financial distress. You’ll work closely with internal teams and external legal counsel to negotiate restructures, manage Special Assets accounts, and protect Daimler Truck Financial Service’s collateral and security position. With exposure to executive management through the Special Assets Committee, this role offers a dynamic environment where your expertise directly influences the company’s financial health. You’ll also support Canadian fleet customers with relief and restructure requests, contributing to a collaborative and high-performing team culture.
Requirements
- BS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience in lieu of degree.
- 2 + years of overall work experience in commercial finance.
- Strong credit and collections knowledge.
- Proficiency in Microsoft Office and mainframe systems.
- Strong analytical skills and ability to interpret financial data.
Nice To Haves
- Experience with DTFS systems and applications: ALFA, PEGA, ECredit Pro, Credit Lens (Moody’s).
- Understanding of legal documentation and UCC code.
- French language proficiency
Responsibilities
- Manage a portfolio of distressed commercial fleet accounts with balances ranging from $1M to $400M+.
- Ensure timely collections and negotiate customized workout solutions including payment plans, collateral returns, and asset liquidation.
- Conduct operational and financial analysis of fleet customers, including review of financial statements and economic trends.
- Prepare detailed restructure proposals and present recommendations to senior management and credit committees.
- Monitor Special Assets accounts, maintain SAC database, and ensure compliance with internal guidelines and credit rules.
- Support compliance efforts by adhering to local and global credit regulations.
- Assist in training and coaching fleet collectors to enhance team performance and reduce company risk.
- Contribute to departmental projects, process improvements, and uphold DTFS values.
Benefits
- annual bonus program
- 401k company contribution with company match up to 8% as well as non-elective company contribution of 3 - 7% depending on age
- starting at 4 weeks paid vacation
- 13+ 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
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
