Retail Credit Analyst

Daimler AG; Fort Worth (TX); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Competitive salary

Annual performance-based bonus

401(k) with match

Generous vacation and personal time

Mercedes-Benz car program

Flexible work arrangements

Job summary

Mercedes-Benz Financial Services is seeking a credit analyst to evaluate retail and lease credit applications for passenger cars/vans in the U.S. You will mitigate credit risk while supporting dealers and MBFS relationships, using ACE system and direct dealer communication.

The role emphasizes timely decisions, collaboration with Dealer Relations Managers, and opportunities for growth within a global mobility finance environment.

Qualifications

• Minimum 2 years of overall work experience.
• Bachelor's Degree preferred.
• Strong analytical and problem-solving abilities.

Responsibilities

• Analyze, decide and investigate retail and lease credit applications and communicate decisions to the dealer via ACE and phone in a timely manner.
• Build positive dealer relations to increase market penetration and provide professional customer service.
• Participate in training, coaching, and team meetings to improve underwriting skills and support Retail Credit team.
• Support eContracting and eDiscounting with dealers and Case360 to correct mismatches between contracts and MBFS systems.

Skills

Analytical skills

Ability to integrate information

PC skills

Problem Solving skills

Education

High School Diploma/GED

Bachelor's Degree

Tools

Corporate Mainframe

Job description

Aufgaben

About Us:

Who is Mercedes-Benz Financial Services?

Mercedes-Benz Financial Services, part of the global company Mercedes-Benz Mobility AG is the captive financing and mobility solutions company of the global luxury automobile manufacturer, Mercedes-Benz AG. We offer a comprehensive range of automotive financial and insurance products that make it easy for our customers to drive their dream Mercedes-Benz vehicle.

Why work at Mercedes-Benz Financial Services?

Working at Mercedes-Benz Financial Services is more than a job – it’s an opportunity to join an innovative team where you are valued for your contributions. As an employee, you will experience career development in a positive, employee-centric environment. We’re a global company that not only offers best-in-class products to our customers but also best-in-class benefits to our employees. Our employees experience a comfortable, friendly environment and relaxed, inclusive culture.

Benefits

When working at Mercedes-Benz Financial Services, you will enjoy a comprehensive and amenity-rich benefits package offering something for every employee at each stage of their life.

As a new employee, you will have the opportunity to take advantage of the following benefits that go beyond – beginning day one:

Get Rewarded! Competitive salary plus an annual bonus based on company performance and/or personal yearly performance

Need a vacation? How about just some time for YOU! In addition to our vacation time, you’ll receive fifteen (15) additional corporate holidays, which will allow you to celebrate religious holidays or escape to the spa! Designed to be flexible, we let you decide which days are most important to you!

Ride in Style - All employees are eligible to participate in the Mercedes-Benz Employee Lease Program

We want you to be healthy! Outstanding medical, dental, and vision insurance, employer-paid short and long term disability plus on-site exercise facilities

Is your family growing? Enjoy generous paid Family Leave Programs - Six Weeks for New Parents; Adoption Expense Reimbursement Programs - up to $6k per child

Want to go back to school? Tuition Assistance Scholar Program - receive up to $8k in vouchers to complete business-related coursework

• $6k for undergraduate
• $8k for graduate

Job Overview:

Analyze and investigate consumer/commercial retail and lease credit applications for passenger cars/vans. Make decisions to mitigate MBFS credit risk while supporting and maximizing service levels for our dealer partners. Build relationships with the dealers as well as with the Dealer Relations Managers (DRMs) to maximize working relationships and increase MBFS retail and lease penetration.

Responsibilities:

• Analyze, decision and investigate retail and lease credit applications, and communicate those decisions to the dealer via the ACE system and telephone in a timely manner. When necessary, negotiate conditional approvals with dealers. Execute buying strategies for dealer body as directed by management. (60%)
• Build positive dealer relations to increase market penetration while providing professional, courteous, consultative and timely customer service. Support and assist Dealer Relations Managers by becoming the inside sales force and by helping sell the benefits of MBFS retail programs. (20%)
• Participate in ongoing development responsibilities such as training, coaching, and team meetings to improve underwriting skills. Work on various assignments and/or reporting responsibilities to support information sharing for the continuous improvement of the Retail Credit team. (10%)
• Support eContracting and eDiscounting by working directly with the dealer and Case360 to correct mismatch errors between the contract and the MBFS credit system. Liaison between the dealer and the funding department. (10%)

Qualifikationen

Qualifications:

Applicants must be legally authorized to work in the U.S. at the time of application. Relocation assistance will not be provided for this position.

This position requires a minimum of 2 years of overall work experience. Preferred experience includes:

• Business-General: 2 years
• Collections: 1 year
• Customer Service: 1 year
• Remarketing

Education:

High School Diploma/(GED) is required, Bachelor's Degree is preferred.

Skills:

• Analytical skills
  • Ability to integrate information from a variety of sources with varied levels of complexity
• PC skills
  • Corporate Mainframe
• Problem Solving skills

Additional Skills:

• Well-developed verbal and written skills.
• Strong conflict resolution and negotiation skills.

Recommended Prerequisites:

• Collections Agent; Remarketing Program Advisor; Customer Service Representative; Dealer Services Liaison; Team Leader in any of the aforementioned departments.

Mercedes-Benz Financial Services offers competitive salary, performance-based bonuses and a full suite of benefits including 401(K) with match, generous vacation and personal time, a Mercedes-Benz car program as well as flexible work arrangements.

EEO/Minorities/Females/Disabled/Vets