Fleet Credit Analyst

dtna; Charlotte (NC); Hybrid; USD 70,000 - 95,000; Full time

Benefits offered by this job

Annual bonus program

401k with company match

Paid vacation

Paid holidays

Parental leave

Healthcare plans

Tuition assistance

Wellness programs

Job summary

Daimler Truck Financial is seeking a Fleet Credit Analyst in Charlotte, NC to analyze large-scale fleet credits, review high-balance accounts, and present recommendations to approving authorities. You will collaborate with inside/outside counsel, Sales, and Dealer teams to ensure credit quality and profitable growth.

The role emphasizes data-driven decision making and regulatory compliance. The position offers a hybrid schedule (4 days in-office, 1 day remote) and a comprehensive benefits

Qualifications

• BS/BA degree preferred with 2-4 years relevant experience or 6 years in lieu of degree.
• 2 years experience in general business field.
• 1 year experience in credit.
• Proficiency with MS Suite (Outlook and Excel).
• Strong attention to detail.
• Ability to collect data and establish facts and identify trend and variances.

Responsibilities

• Analyze the financial condition for Fleet borrowers with DTFS outstanding balances over $1.25MM.
• Perform timely reviews of Fleet borrowers with balances over $1MM.
• Present sound and reasoned recommendations to approving authorities for files outside limits of authority.
• Build positive relations with District Finance Managers on buying strategies.
• Participate in joint Sales calls and Customer/Dealer visits when necessary.
• Understand Fleet related Legal documentation to remain compliant and DTFS perfection.
• Ensure compliance with Local and Global Credit Rules.
• Assist in training and coaching other fleet collectors and share knowledge.
• Assist in department projects and process improvements.

Skills

Attention to detail

Data collection & analysis

Financial interpretation

Communication

Problem solving

Education

BS/BA degree

6 years experience in lieu of degree

2-4 years relevant experience

Tools

MS Excel

MS Outlook

ALFA

PEGA

ECP

Credit Lens

Legal Documentation system

UCC

Job description

Inside the Role

The Fleet Credit is responsible for Daimler Truck Financial Services commercial retail and lease acquisitions for Fleet customers above $1.25MM outstanding with DTFS. Our Analyst demonstrate account knowledge, industry and customer business understanding, financial statement analysis, negotiations techniques and strategic solutions. We also maintain positive relationships with DTFS Sales Team and Dealer network to assist with profitable growth in the portfolio.

Fleet Credit Analyst will work closely with inside and Outside Legal Counsel, Fleet Workout, Sales, Remarketing, Fleet Services, Titles and Dealer Credit teams.

The position involves account knowledge, industry and customer business understanding, financial statement analysis, negotiations techniques and strategic solutions. The team has members with extensive and vast experiences, enjoys great camaraderie and support, knowledge sharing and teamwork.

Posting Information

We provide a scheduled posting end date to assist our candidates with their application planning. While this date reflects our latest plans, it is subject to change, and postings may be extended or removed earlier than expected.

We Take Care of Our Team

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.

What You Drive At DTFS

• Analyze the financial condition for Fleet borrowers with DTFS outstanding balance that exceed $1.25MM, or requesting a line of credit.
• Perform timely reviews of Fleet borrowers with outstanding balances in excess of $1MM.
• For credit files outside of limits of authority, present sound and reasoned recommendations to the appropriate approving authorities, such as Local, Local + Senior, and Executive Credit Committee.
• Build positive relations and work with District Finance Managers (DFMs) on buying strategies to ensure proper credit risk and returns are achieved.
• Participate in joint Sales calls and Customer/Dealer visits, when necessary.
• Have an understanding of all Fleet related Legal documentation to remain complaint ensuring DTFS perfection.
• Ensure compliance with all applicable regulations including both the Local and Global Credit Rules
• Assist with training and coaching other fleet collectors, new or as needed. Share knowledge to increase overall team performance.
• Assist in department projects, process improvement, supporting company values and customer experience.

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 experience working in a general business field.
• 1 year experience working with credit.
• Proficiency with MS Suite (advanced user of Outlook and Excel).
• Strong attention to detail.
• Ability to collect data and establish facts and identity trend and variances.

Exceptional Candidates Might Have

• Bachelor's Degree in Business Administration, Accounting, Finance, Accounting, Economics, Finance, Statistics.
• 2 years Financial analysis and presentation skills.
• 1 years Moody's software application experience.
• 2 years of Commercial Lending experience in the Transportation Industry.
• Knowledge in DTFS systems and applications preferred: ALFA, PEGA, ECP, Credit Lens, Legal Documentation, UCC.
• Ability to integrate information from a variety of sources with caried levels of complexity.
• Ability to formulate and test hypotheses from the purpose of forecasting outcomes.
• Ability to review and interpret and evaluate statistical information.
• Assist in department projects, process improvement, supporting company values and customer experience.

Where We Work

This position is open to applicants who can work in (or relocate to) the following location(s)-Charlotte, NC US. Relocation assistance is not available for this position.

Schedule Type

Hybrid (4 days per week in-office / 1 day remote). This schedule builds our #OneTeamBestTeam culture, provides an unparalleled customer experience, and creates innovative solutions through in-person collaboration.

Daimler Truck Financial

Daimler Truck Financial is the captive financial services provider for the Daimler Trucks North America family of commercial vehicle products, including Freightliner Trucks, Western Star, SelecTrucks, Sprinter Vans, Thomas Built Buses and Fuso. We have specialized in financing commercial vehicles for more than 40 years. This proven experience gives us critical insights into helping businesses overcome challenges unique to the trucking industry. Additionally, we offer a range of financing solutions that can be customized to meet each individual business's nee