Daimler Truck North America develops and delivers vehicles, technologies, and services for the commercial transportation industry. Its portfolio includes medium- and heavy-duty trucks, school buses, chassis, and related transportation solutions associated with Freightliner, Western Star, and Thomas Built Buses. The company brings together engineering, manufacturing, marketing, and service expertise, with a focus on advancing innovation and sustainability across logistics, automotive, and transport.
Dealer Credit Analyst - Charlotte, NC (Hybrid)
Evaluate commercial dealership credit for Daimler Truck Financial Services. Review financial statements, assess underwriting risk, and recommend credit decisions.
Description
- Assess the financial condition of commercial vehicle dealerships, truck equipment manufacturers, and affiliated businesses to support new and existing credit lines.
- Prepare, evaluate, and submit credit requests and file reviews to the Dealer Credit Manager.
- Deliver well-supported credit recommendations to the appropriate approval authority.
- Review dealership financial statements each month and recommend actions using Daimler Truck Financial guidelines and industry experience.
- Recommend appropriate subordination, guarantees, state legal requirements, UCCs, and other protective agreements.
- Create and maintain dealer documentation files in accordance with established procedures.
- Support DRM/RFM representatives, Regional Managers, dealers, and management with credit files, system issues, approvals, contingencies, documentation, and financial statements.
- Review wholesale inventory and book audits, recommending responses to audit issues and exceptions.
- Work with dealer personnel throughout the credit request and account maintenance process.
- Monitor borrowers, financial performance, and credit-line payments on an ongoing basis.
- Maintain regular communication with dealer principals and owners, CFOs, field sales, credit management, and legal counsel.
Requirements
- Bachelor’s degree and preferably 2–4 years of relevant experience, or 6 years of relevant experience in place of a degree.
- Experience with credit analysis and commercial automotive underwriting.
- Ability to review financial statements and analyze cash flow.
- Background in commercial lending or dealer finance.
- Experience in risk assessment or portfolio management.
- Ability to gather data, establish facts, and identify trends and variances.
- At least 3 years of experience in fundamental accounting and/or commercial finance within the automotive industry.
- Experience conducting wholesale audits.
- Understanding of the Uniform Commercial Code (UCC).
- Business judgment to evaluate dealership operations, financial drivers, and market conditions when assessing creditworthiness and risk.
- Ability to navigate complex organizations, build cross-functional relationships, and influence stakeholders in a corporate setting.
- Customer-focused approach with the ability to develop strong relationships.
- Flexibility and adaptability in changing circumstances.
- Strong attention to detail, problem-solving ability, and analytical skills.
- Effective teamwork and collaboration skills.
- Permanent legal authorization to work in the United States.
- Successful completion of a criminal background check.
Benefits
- Annual bonus program.
- 401(k) company contribution with matching contributions of up to 6%.
- Non-elective company contribution of 3–7%, depending on age.
- Starting at four weeks of paid vacation.
- 15 paid calendar holidays.
- Eight weeks of paid parental leave.
- Employee assistance program.
- Comprehensive healthcare plans.
- Wellness programs.
- Onsite fitness facilities at some locations.
- Tuition assistance.
- Paid volunteer time off.
- Short-term disability plans.
- Long-term disability plans.