Senior Credit & Collections Analyst

Bayerische Motoren Werke Aktiengesellschaft; Woodcliff Lake (NJ); Hybrid; USD 63,000 - 125,000; Full time

Benefits offered by this job

Medical, Dental, and Vision insurance

401(k) with Company match

Employee vehicle program

Bonus eligibility

Paid Parental Leave

PTO and company holidays

Voluntary Benefits

Job summary

BMW of North America is seeking a Senior Credit & Collections Analyst to support credit risk management, collections activities, and dealer due diligence across the U.S. market.

The role collaborates with dealers, financial institutions, and credit agencies to ensure timely payments and mitigate risk. The position requires a Bachelor's degree in a related field and at least five years of credit/collections experience, with expertise in credit analysis, UCC filings, and financial statement

Qualifications

• Bachelor's degree in Business, Finance, Accounting, or a related field.
• Minimum of five years of credit and collections experience.
• Experience with credit analysis, Letters of Credit and Guarantees, UCC filings, financial statement analysis, and credit risk evaluation.

Responsibilities

• Support daily credit and collections operations for vehicle, motorcycle, parts, and accessory sales.
• Monitor accounts receivable aging reports and follow up on delinquent accounts.
• Review and approve dealer orders based on credit qualifications.
• Maintain and secure BMW collateral, including UCC filings and other security interests.
• Oversee the distribution of MSOs and coordinate monthly dealer settlements with Accounting and IT teams.
• Conduct due diligence reviews of prospective dealer candidates (credit reports, financial statements, background checks, OFAC screening).
• Assess financial risk and make credit recommendations for prospective dealers.
• Identify opportunities to improve and automate credit-related processes.

Skills

Credit analysis

Financial statement analysis

Credit risk evaluation

UCC filings

Letters of Credit

Financial ratios

Education

Bachelor's degree in Business, Finance, Accounting, or a related field

Job description

Job Title: Senior Credit & Collections Analyst

Posting Start Date: 10/22/26

Job Location (Long): Woodcliff Lake, New Jersey United States

Job Description:

The Senior Credit & Collections Analyst is responsible for supporting credit risk management, collections activities, and dealer financial due diligence across the U.S. market. This role works closely with internal business partners, dealers, financial institutions, and credit reporting agencies to ensure timely payment of receivables, mitigation of credit risk, and compliance with company policies.

WHAT AWAITS YOU.

• Support daily credit and collections operations for vehicle, motorcycle, parts, and accessory sales.
• Monitor accounts receivable aging reports and follow up on delinquent accounts.
• Review and approve dealer orders based on credit qualifications.
• Maintain and secure BMW collateral, including UCC filings and other security interests.
• Oversee the distribution of Motorcycle Manufacturer Statements of Origin (MSOs).
• Coordinate monthly dealer settlement processes with Accounting and IT teams.
• Monitor collection activities related to employee parts purchases and dealer auction balances.
• Conduct due diligence reviews of prospective dealer candidates, including:
  • Credit reports.
  • Financial statement analysis.
  • Background checks.
  • OFAC screening.

• Assess financial risk and make credit recommendations for prospective dealers.
• Identify opportunities to improve and automate credit-related processes.

WHAT YOU SHOULD BRING.

• Bachelor's degree in Business, Finance, Accounting, or a related field.
• Minimum of five years of credit and collections experience.
• Experience with:
  • Credit analysis.
  • Letters of Credit and Guarantees.
  • Uniform Commercial Code (UCC) filings.
  • Financial statement analysis.
  • Strong understanding of financial ratios and credit risk evaluation.

Preferences:

• Bachelor's degree in Business, Finance, Accounting, or a related field.
• Strong understanding of financial ratios and credit risk evaluation.

WHAT YOU CAN LOOK FORWARD TO.

• Medical, Dental, and Vision insurance
• 401(k) with Company match and Retirement Income Account
• Employee vehicle program
• Bonus eligibility
• Paid Parental Leave
• Generous PTO and Company paid holidays
• Voluntary Benefits to fit your needs

Relocation is not available for this position.

In support of BMW Group's business objectives, this position requires regular onsite attendance at a BMW office/facility with remote work capability (hybrid).

The expected salary range for this position is $62,500 - $125,000.

The selected candidate's education, skills, experience, and location will be used to determine the final salary offer. All pay ranges are based on a full-time work schedule. This statement is in accordance with state and local pay disclosure requirements.

As part of the hiring process, you may be required to successfully pass a background check. A satisfactory completion of a background investigation including verification of education, prior employment, criminal history, credit check history, and pre-employment drug screen to the extent permissible under applicable state law, is a condition of your offer of employment and your continued employment. The results of your background investigation are satisfactory and acceptable in the sole judgement and discretion of BMW Shared Services, LLC.

Even more so than the generous compensation and benefits, the culture and values of BMW of North America makes it the ultimate working environment. These values are Responsibility, Appreciation,

Transparency, Trust, and Openness. We allow these values to guide the way we conduct ourselves and our business.

BMW complies with all applicable U.S. immigration laws and regulations. The Company does not provide employer support or sponsorship for any immigration-related employment benefit for this role.

Applicants must be currently authorized to work in the United States on a full-time basis without the need for employer support or sponsorship now or in the future. This includes having the legal right to work in the United States without the need for BMW support or sponsorship for any immigration-related employment authorization (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, etc.) now or in the future.

If you will require BMW to provide immigration support or sponsorship now or in the future, you should not apply for this position.

BMW in the United States is an equal opportunity employer. It is the policy of BMW Group in the United States to provide equal employment opportunity (EEO) to all qualified persons regardless of age, race, color, religion, sex, sexual orientation, gender identity, national origin, disability or veteran status.