Commercial Credit and Restructuring/Collections Analyst

Daimler Truck Financial Services USA LLC; Charlotte (NC); On-site; USD 90,000 - 150,000; Full time

Benefits offered by this job

Annual bonus program

401k company contribution 6% plus 3-7%

4 weeks paid vacation

15 holidays

8 weeks paid parental leave

Healthcare plans

Wellness programs

Onsite fitness

Tuition assistance

Volunteer paid time off

Disability plans

Job summary

Daimler Truck Financial Services USA LLC is seeking a Commercial Credit and Restructuring Analyst to manage distressed commercial fleet accounts and drive restructuring solutions. You will work with internal teams and external counsel to optimize workouts, assess credit risk, and support special assets management across North America.

Responsibilities include negotiating payment plans, analyzing financial data, presenting proposals to senior management, and ensuring regulatory and internal

Qualifications

• BS/BA and 2-4 years of relevant experience, or 6 years of experience in lieu of degree.
• 2+ years of overall work experience in commercial finance.
• Strong credit and collections knowledge.
• Proficiency in Microsoft Office and mainframe systems.
• Strong analytical skills and ability to interpret financial data.

Responsibilities

• Manage a portfolio of distressed commercial fleet accounts with balances ranging from $1M to $400M+.
• Ensure timely collections and negotiate customized workout solutions including payment plans, collateral returns, and asset liquidation.
• Conduct operational and financial analysis of fleet customers, including review of financial statements and economic trends.
• Prepare detailed restructure proposals and present recommendations to senior management and credit committees.
• Monitor Special Assets accounts, maintain SAC database, and ensure compliance with internal guidelines and credit rules.
• Support compliance efforts by adhering to local and global credit regulations.
• Assist in training and coaching fleet collectors to enhance team performance and reduce company risk.
• Contribute to departmental projects, process improvements, and uphold DTFS values.

Skills

Credit knowledge

Collections knowledge

Microsoft Office

Mainframe systems

Financial data analysis

Education

BS/BA with 2-4 years experience

6 years experience in lieu of degree

Tools

ALFA

PEGA

ECredit Pro

Credit Lens

Job description

As a Commercial Credit and Restructuring Analyst, you’ll be at the forefront of managing financial risk across our commercial fleet customer base. This role blends operations, collections, and credit functions to ensure timely payment collection and deliver tailored workout solutions during times of financial distress. You’ll work closely with internal teams and external legal counsel to negotiate restructures, manage Special Assets accounts, and protect Daimler Truck Financial Service’s collateral and security position. With exposure to executive management through the Special Assets Committee, this role offers a dynamic environment where your expertise directly influences the company’s financial health. You’ll also support Canadian fleet customers with relief and restructure requests, contributing to a collaborative and high-performing team culture.

What You Drive at DTFS

• Manage a portfolio of distressed commercial fleet accounts with balances ranging from $1M to $400M+.
• Ensure timely collections and negotiate customized workout solutions including payment plans, collateral returns, and asset liquidation.
• Conduct operational and financial analysis of fleet customers, including review of financial statements and economic trends.
• Prepare detailed restructure proposals and present recommendations to senior management and credit committees.
• Monitor Special Assets accounts, maintain SAC database, and ensure compliance with internal guidelines and credit rules.
• Support compliance efforts by adhering to local and global credit regulations.
• Assist in training and coaching fleet collectors to enhance team performance and reduce company risk.
• Contribute to departmental projects, process improvements, and uphold DTFS values.

Knowledge You Should Bring

• BS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience in lieu of degree.
• 2 + years of overall work experience in commercial finance.
• Strong credit and collections knowledge.
• Proficiency in Microsoft Office and mainframe systems.
• Strong analytical skills and ability to interpret financial data.

Exceptional Candidates might have

• Experience with DTFS systems and applications: ALFA, PEGA, ECredit Pro, Credit Lens (Moody’s).
• Understanding of legal documentation and UCC code.
• French language proficiency
• Additional Job Description
• Additional Job Description

Pay offered dependent on knowledge, skills, and experience

Benefits include 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; 15 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.