Fleet Credit Analyst

Daimler Truck•Charlotte, NC

1d•Onsite

About The Position

The Fleet Credit Analyst is responsible for Daimler Truck Financial Services commercial retail and lease acquisitions for Fleet customers above $1.25MM outstanding with DTFS. Our Analysts demonstrate account knowledge, industry and customer business understanding, financial statement analysis, negotiations techniques, and strategic solutions. We also maintain positive relationships with the DTFS Sales Team and Dealer network to assist with profitable growth in the portfolio. Fleet Credit Analyst will work closely with inside and outside Legal Counsel, Fleet Workout, Sales, Remarketing, Fleet Services, Titles and Dealer Credit teams. The team has members with extensive and vast experiences, enjoys great camaraderie and support, knowledge sharing and teamwork. 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 Travel is expected to be minimal. Will partner with Senior Analysts as needed. Pay offered dependent on knowledge, skills, and experience Benefits include 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. What You Drive At DTFS Analyze the financial condition for Fleet borrowers with DTFS outstanding balance that exceed $1.25MM, or requesting a line of credit. Perform timely reviews of Fleet borrowers with outstanding balances in excess of $1MM. For credit files outside of limits of authority, present sound and reasoned recommendations to the appropriate approving authorities, such as Local, Local + Senior, and Executive Credit Committee. Build positive relations and work 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. Have an understanding of all Fleet related Legal documentation to remain complaint ensuring DTFS perfection. Ensure compliance with all applicable regulations including both the Local and Global Credit Rules Assist with training and coaching other fleet collectors, new or as needed. Share knowledge to increase overall team performance. Assist in department projects, process improvement, supporting company values and customer experience. 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.

Requirements

BS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience in lieu of degree.
2 years experience working in a general business field.
1 year experience working with credit.
Proficiency with MS Suite (advanced user of Outlook and Excel).
Strong attention to detail.
Ability to collect data and establish facts and identity trend and variances.
Ability to integrate information from a variety of sources with caried levels of complexity.
Ability to formulate and test hypotheses from the purpose of forecasting outcomes.
Ability to review and interpret and evaluate statistical information.
Assist in department projects, process improvement, supporting company values and customer experience.

Nice To Haves

Bachelor's Degree in Business Administration, Accounting, Finance, Accounting, Economics, Finance, Statistics.
2 years Financial analysis and presentation skills.
1 years Moody’s software application experience.
2 years of Commercial Lending experience in the Transportation Industry.
Knowledge in DTFS systems and applications preferred: ALFA, PEGA, ECP, Credit Lens, Legal Documentation, UCC.

Responsibilities

Analyze the financial condition for Fleet borrowers with DTFS outstanding balance that exceed $1.25MM, or requesting a line of credit.
Perform timely reviews of Fleet borrowers with outstanding balances in excess of $1MM.
For credit files outside of limits of authority, present sound and reasoned recommendations to the appropriate approving authorities, such as Local, Local + Senior, and Executive Credit Committee.
Build positive relations and work 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.
Have an understanding of all Fleet related Legal documentation to remain complaint ensuring DTFS perfection.
Ensure compliance with all applicable regulations including both the Local and Global Credit Rules
Assist with training and coaching other fleet collectors, new or as needed.
Share knowledge to increase overall team performance.
Assist in department projects, process improvement, supporting company values and customer experience.

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