Fleet Credit Analyst

Daimler Truck North America•Charlotte, NC

1d•Hybrid

About The Position

The Fleet Credit Analyst is responsible for commercial retail and lease credit acquisitions for Daimler Truck Financial Services (DTFS) fleet customers with more than $1.25 million outstanding with DTFS. The analyst evaluates customer and industry information, analyzes financial statements, negotiates credit solutions, and supports profitable portfolio growth while maintaining positive relationships with the DTFS Sales Team and dealer network. The role works closely with inside and outside legal counsel, Fleet Workout, Sales, Remarketing, Fleet Services, Titles, and Dealer Credit teams. It is part of a collaborative team that values camaraderie, knowledge sharing, and teamwork. The position is based in Charlotte, North Carolina, and follows a hybrid schedule of four days in the office and one remote day per week. Relocation assistance is not available.

Requirements

A BS/BA degree and preferably 2–4 years of relevant experience, or 6 years of relevant experience in lieu of a degree.
At least 2 years of experience working in a general business field.
At least 1 year of experience working with credit.
Proficiency with the Microsoft Suite, including advanced use of Outlook and Excel.
Strong attention to detail.
Ability to collect data, establish facts, and identify trends and variances.

Nice To Haves

Bachelor’s degree in Business Administration, Accounting, Finance, Economics, or Statistics.
2 years of financial analysis and presentation experience.
1 year of Moody’s software application experience.
2 years of commercial lending experience in the transportation industry.
Knowledge of DTFS systems and applications, including ALFA, PEGA, ECP, Credit Lens, legal documentation, and UCC.
Ability to integrate information from multiple sources with varying levels of complexity.
Ability to formulate and test hypotheses to forecast outcomes.
Ability to review, interpret, and evaluate statistical information.

Responsibilities

Analyze the financial condition of Fleet borrowers with a DTFS outstanding balance exceeding $1.25 million or who are requesting a line of credit.
Perform timely reviews of Fleet borrowers with outstanding balances exceeding $1 million.
Present sound, reasoned recommendations to the appropriate approving authorities for credit files outside the analyst’s authority limits, including Local, Local + Senior, and Executive Credit Committee.
Build positive relationships and work with District Finance Managers on buying strategies to achieve appropriate credit risk and returns.
Participate in joint Sales calls and customer or dealer visits when necessary.
Understand Fleet-related legal documentation and ensure DTFS perfection.
Ensure compliance with applicable regulations, including Local and Global Credit Rules.
Assist with training and coaching other Fleet collectors as needed, and share knowledge to improve overall team performance.
Assist with department projects and process improvement initiatives while supporting company values and customer experience.

Benefits

Annual bonus program
401(k) company contribution with 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