Fleet Credit Analyst

Daimler Truck; Town of Charlotte (NY); Hybrid; USD 65,000 - 90,000; Full time

Benefits offered by this job

Annual bonus

401k with company match

4 weeks vacation

15 holidays

8 weeks parental leave

Employee assistance program

Healthcare plans

Onsite fitness

Tuition assistance

Volunteer time off

Disability plans

Job summary

Daimler Truck Financial Services seeks a Fleet Credit Analyst to evaluate credit risk for commercial fleet customers and support profitable growth of the DTFS portfolio. You will analyze financial statements, balance performance, and negotiate sound credit solutions in collaboration with Sales, Remarketing and Dealer Credit teams.

This hybrid role located in Charlotte, NC, emphasizes teamwork, process improvement and compliance with local/global credit rules while delivering a first-class

Qualifications

• BS/BA degree and 2–4 years of relevant experience preferred; 6 years in lieu of degree acceptable.
• Experience in credit, financial analysis and data interpretation.
• Proficiency with MS Office; detail oriented with strong data collection.
• Ability to partner with sales, dealership network, and cross-functional teams.
• Ability to analyze statements, forecast outcomes and present recommendations.

Responsibilities

• Analyze financial condition for Fleet borrowers with balances over $1.25MM.
• Review accounts with balances over $1MM and ensure timely risk assessment.
• Present sound recommendations to approving authorities when needed.
• Collaborate with District Finance Managers on buying strategies and credit returns.
• Join in joint sales calls and dealer visits to support credit decisions.
• Understand Fleet legal documents to ensure DTFS perfection and compliance.
• Assist training and coaching within the fleet credit team.
• Participate in process improvement and customer experience initiatives.

Skills

Credit analysis

Financial statement analysis

Negotiation skills

Relationship building

Attention to detail

Education

BS/BA

Tools

ALFA

PEGA

ECP

Credit Lens

UCC

Moody’s software

MS Outlook

MS Excel

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

• annual bonus program
• 401kcompany contribution with company match up to6% as well as non-elective company contribution of3 - 7% depending on age
• starting at 4 weeks paidvacation
• 15 calendar holidays
• 8 weeks paidparental leave
• employee assistance program
• comprehensive healthcare plans and wellnessprograms
• onsite fitness (at some locations)
• tuitionassistance and volunteer paid time off
• short-termand 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 or6years 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.

#LI-DTFSUSA #LI-Hybrid

#LI-CC1

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 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 needs, from owner-operators to large fleet managers and nearly every venture in-between.

To achieve our goal of being the first-choice provider of vehicle financial products and services that support our brands, dealers and customers, we are looking for talented, diverse and inspired people with the skills, experience and innovative spirit to provide a first-class experience at every turn. We are committed to providing a great workplace environment that fosters a culture of openness, support and camaraderie. Our employee programs and benefits are reflective of our values and are designed to promote growth, balance and wellness in many aspects of your career and life.

Additional Information

• Applicants must be legally authorized to work permanently in the country of posting
• Final candidate must successfully complete a criminal background check
• Contractors, professional services, or other contingent workers should confirm with their local agency if they are eligible to apply for FTE positions
• EEO - Disabled/Veterans

Daimler Truck Financial Services is committed to workforce inclusion and providing an environment where equal employment opportunities are available to all applicants and employees without regard to race, color, sex (including pregnancy), religion, national origin, age, marital status, family relationship, disability, sexual orientation, gender identity and expression (including transgender and transitioning status), genetic information, or veteran status.

For an accommodation or special assistance with applying for a posted position, please contact our Human Resources department at 503-745-8982 or toll free 800-206-3369. For TTY/TDD enabled call 503-745-2137 or toll free 866-355-6935