Senior Commercial Credit Underwriter

Daimler Truck North America•Charlotte, NC

3d•Hybrid

About The Position

We are seeking a Senior Commercial Credit Underwriter to lead complex credit underwriting assessments for commercial fleet and dealer finance clients across North America. This role is central to supporting Daimler Truck Financial Services’ profitable portfolio growth. This role blends high level financial analysis and prudent credit risk management with leadership, mentorship, and strategic partnership across our borrowers, Sales, Legal, Risk, and Audit teams. You’ll provide underwriting expertise, shape credit strategy, coach junior team members, and strengthen the quality of underwriting across the organization — all while driving sound risk decisions for a diverse and dynamic portfolio.

Requirements

BS/BA degree preferred with 5 years business experience; OR 8 years relevant experience in lieu of degree.
At least 3 years of underwriting or finance experience, including a minimum of 1 year of financial analysis and presentation experience.
Proficiency with Microsoft Suite (Excel, Outlook; strong analytical abilities).
Analytical Skills; ability to collect data, establish facts and identify trends/variances to make sound credit decisions.
Attention to detail, problem‑solving ability, judgement and organizational skills.
Strong communication skills with the ability to clearly articulate recommendations to team members and senior leadership.
Experience coaching or reviewing work of others is a plus.

Nice To Haves

3+ years of commercial credit underwriting in fleet, dealer, or collateral‑based lending environments.
Experience in accounting, dealership operations, automotive/trucking industry finance, floorplan/wholesale credit or commercial loan restructuring.
Understanding of secured lending concepts, including UCC/PPSA rules, priority agreements, and related legal documentation.
Experience with financial assessment or portfolio systems (ALFA, PEGA, Credit Lens) or similar platforms.
Background in mentoring, coaching, or leading junior staff.
French language proficiency (oral and written) a plus.

Responsibilities

Lead a team of commercial credit underwriters for credit applications to commercial fleet, dealer and special asset borrowers with large transaction volumes >$1.25 million.
Communicate credit decisions or negotiate alternate structures with clients, dealers or internal sales team.
Provide training and guidance on financial analysis, cashflow, repayment capability, borrower performance trends, and collateral position.
Ensuring risk concerns are properly identified and mitigated.
Oversee and manage a portfolio of key commercial accounts, including development trends, covenant monitoring, asset management, and periodic risk rating or special asset reviews are completed.
Ensure compliance with corporate credit policies and quality standards, including limits of authority and reporting requirements.
Serve as a voting member of credit committee and subject‑matter expert for complex credit topics, projects, and policy interpretations.
Partner with clients and internal teams to shape credit strategies that support customer needs and business growth while maintaining a strong risk profile.
Collaborate with clients and legal teams on loan documentation, restructuring, collateral positions, and transaction structures.
Contribute to departmental projects, compliance audits, and initiatives to drive efficiency, improve risk performance/return or underwriting quality and consistency.

Benefits

annual bonus program
401k company contribution with company match up to 6 % 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