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 dealership creditworthiness for Daimler Truck Financial Services, the captive commercial vehicle finance business of Daimler Truck North America. Review financial statements, underwrite credit, and monitor dealer portfolios.
Description
- Prepare, analyze, and submit new credit requests and file reviews to the Dealer Credit Manager
- Deliver well-supported credit recommendations
- Conduct monthly reviews of dealership financial statements
- Recommend actions involving subordination, guarantees, state legal requirements, UCCs, and other protective agreements
- Create and maintain dealer document files in line with established procedures
- Provide daily support to DRM/RFM personnel, Region Managers, dealers, and management on credit files, system issues, approvals, contingencies, documentation, and financial statements
- Review wholesale inventory and book audits, recommending actions for audit issues and exceptions
- Communicate with dealers throughout the credit request and account maintenance process, including monthly financial statement reviews
- Assess dealership and truck equipment manufacturer financial condition when extending or continuing credit lines
- 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 automotive commercial underwriting
- Proficiency in financial statement review and cash flow analysis
- 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 automotive commercial finance
- Experience with wholesale audits
- Understanding of the Uniform Commercial Code (UCC)
- Business acumen covering dealership operations, financial drivers, and market dynamics for assessing creditworthiness and risk
- Organizational awareness with the ability to navigate complex structures, build cross-functional relationships, and influence corporate stakeholders
- Customer-focused approach and ability to build strong relationships
- Flexibility and adaptability in a changing environment
- Strong attention to detail, problem-solving, and analytical skills
- Effective teamwork and collaboration skills
- Legal authorization to work permanently in the country of posting
- Successful completion of a criminal background check is required for the final candidate
Benefits
- Annual bonus program
- 401(k) company contribution with matching contributions up to 6%
- Non-elective company contribution of 3–7%, depending on age
- Starting vacation allowance of 4 weeks
- 15 calendar holidays
- 8 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