Dealer Credit Analyst

Mercedes-Benz Financial Services USA•Fort Worth, TX

3d•Onsite

About The Position

Who is Mercedes-Benz Financial Services? Mercedes-Benz Financial Services, part of the global company Mercedes-Benz Mobility AG is the captive financing and mobility solutions company of the global luxury automobile manufacturer, Mercedes-Benz AG. We offer a comprehensive range of automotive financial and insurance products that make it easy for our customers to drive their dream Mercedes-Benz vehicle. Why work at Mercedes-Benz Financial Services? Working at Mercedes-Benz Financial Services is more than a job – it’s an opportunity to join an innovative team where you are valued for your contributions. As an employee, you will experience career development in a positive, employee-centric environment. We’re a global company that not only offers best-in-class products to our customers but also best-in-class benefits to our employees. Our employees experience a comfortable, friendly environment and relaxed, inclusive culture. Job Overview: 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.

Requirements

Applicants must be legally authorized to work in the U.S. at the time of application.
This position requires a minimum of 3 years of overall work experience.
High School Diploma/(GED) is required
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
Customer Focus; Flexibility & Adapting to Change; Relationship Building; Attention to Detail; Teamwork and Collaboration.

Nice To Haves

Accounting - General (1 year)
Business - General (3 years comprehensive)
Credit - (3 years comprehensive)
Finance - General (1 year)
Risk Management - General
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.
Salesforce, Microsoft Edge, Microsoft Word and Excel
Experience with Sopra DM, SFPW CAP Loan system, GeoFence, and/or CRD preferred.
Retail Credit Analyst
Wholesale Inventory Auditor

Responsibilities

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.
Perform monthly reviews of dealership financial statements and make sound and reasoned recommendations to the Dealer Credit Manager based on guidelines established by Mercedes Benz 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 Mercedes Benz Financial Services.
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.
Decision Making Acquisition/underwriting decisions
Structure and present sound underwriting decisions that protects the financials interests of the company.

Benefits

Competitive salary plus an annual bonus based on company performance and/or personal yearly performance
fifteen (15) additional corporate holidays
Mercedes-Benz Employee Lease Program
Outstanding medical, dental, and vision insurance
employer-paid short and long term disability
on-site exercise facilities
generous paid Family Leave Programs - Six Weeks for New Parents
Adoption Expense Reimbursement Programs - up to $6k per child
Tuition Assistance Scholar Program - receive up to $8k in vouchers to complete business-related coursework
$6k for undergraduate
$8k for graduate
401(K) with match
generous vacation and personal time