Dealer Credit Analyst

Daimler Truck AG•Charlotte, NC

1d•Hybrid

About The Position

Daimler Truck Financial Services (DTFS) is the captive financial services provider for Daimler Truck North America. DTFS Dealer Credit provides floorplan inventory financing and other financing products to dealerships and truck equipment manufacturers that use Freightliner, Western Star, and Thomas Built Bus brands. Dealer Credit Analysts assess the financial condition of commercial vehicle dealerships, truck equipment manufacturers, and their affiliated companies to recommend whether to extend new credit lines or continue existing ones. Analysts continuously monitor borrowers, financial performance, and payments on credit lines. The role requires regular communication with dealership principals and owners, chief financial officers, field sales teams, credit management, and legal counsel. This position is based in Charlotte, North Carolina, and follows a hybrid schedule of four days in the office and one day remote. Relocation assistance is not available.

Requirements

Bachelor of Science or Bachelor of Arts degree and preferably 2–4 years of relevant experience, or 6 years of relevant experience in lieu of a degree.
Experience in credit analysis and automotive commercial underwriting.
Experience reviewing financial statements and conducting cash flow analysis.
Experience in commercial lending or dealer finance.
Experience in risk assessment or portfolio management.
Ability to collect data, establish facts, and identify trends and variances.

Nice To Haves

Bachelor’s degree, preferably focused on Business Administration, Accounting, Finance, Mathematics, or Statistics.
3 or more years of experience in fundamental accounting and/or automotive industry commercial finance.
Experience in wholesale audit.
Understanding of the Universal Commercial Code (UCC).
Business acumen, including the ability to understand dealership operations, financial drivers, and market dynamics to assess creditworthiness and risk.
Organizational savvy, including the ability to navigate complex structures, build cross-functional relationships, and influence stakeholders in a corporate environment.
Customer focus and ability to build strong relationships.
Flexibility and ability to adapt to change.
Attention to detail and problem-solving and analysis skills.
Teamwork and collaboration capabilities.

Responsibilities

Prepare, analyze, and submit new credit requests and file reviews to the Dealer Credit Manager, providing sound and reasoned explanations.
Review dealership financial statements monthly and make recommendations to the Dealer Credit Manager based on established guidelines and prior experience with the dealership.
Recommend subordinations, guarantees, state legal requirements, UCCs, and other forms or agreements that protect Daimler Truck Financial's interests.
Prepare and maintain dealer document files according to established procedures.
Provide daily service to DRM/RFM personnel, Region Managers, dealer personnel, and management regarding credit files, system issues, approvals and contingencies, documentation, and financial statements.
Review wholesale inventory and book audits and recommend actions to the Dealer Credit Manager on audit issues and exceptions.
Communicate with dealer personnel throughout the credit request and maintenance process, including monthly financial statement reviews.
Continuously monitor borrowers, their financial performance, and payments on credit lines.

Benefits

Annual bonus program.
401(k) company contribution with a company match up to 6%, plus a non-elective company contribution of 3–7% depending on age.
Starting at 4 weeks of paid vacation.
15 calendar holidays.
8 weeks of paid parental leave.
Employee assistance program.
Comprehensive healthcare plans.
Wellness programs.
Onsite fitness at some locations.
Tuition assistance.
Paid volunteer time off.
Short-term and long-term disability plans.