Senior Dealer Credit Analyst

Inside the Role

As a Senior Dealer Credit Analyst, you’ll play a pivotal leadership role within our Dealer Credit team and mentoring and developing Dealer Credit Analysts. You’ll be instrumental in maintaining the integrity of credit assessments, driving operational excellence, and collaborating across departments including Sales, Legal, and Wholesale Audit. This role offers a dynamic blend of strategic oversight and hands-on engagement, with opportunities to influence credit decisions across North America and contribute to process improvements within the North American Service Center (NASC).

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; 13+ 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

• Lead and coach Dealer Credit Analysts through training, performance evaluations, and talent development.

• Supervise credit request reviews, ensuring thorough financial and credit analysis and collateral positioning.

• Collaborate on annual credit file reviews for USA and Canada borrowers; present recommendations to credit authorities.

• Partner with Sales to develop strategic approaches to credit requests and portfolio servicing.

• Engage with borrowers and legal teams to address financial trends and negotiate solutions to minimize losses.

• Identify and implement process improvements to enhance credit efficiency and service quality.

• Develop and deliver departmental analysis reports, including dealer performance and accounting reconciliations.

• Ensure compliance with local and global credit policies; support audits and ad-hoc projects.

• Coordinate with Wholesale Administration and Audit teams on daily operations, including floorplan approvals and overlines.

• Manage legal documentation related to DFS’s security interests in collaboration with internal and external legal teams.

Knowledge You Should Bring

• BS/BA and prefer 5-7 years of relevant experience or 8 
  years of relevant experience in lieu of degree

• 3 years in consumer or commercial lending with a focus on financial analysis, underwriting, credit focus.

• 2 years of accounting experience.

• 1 year of leadership experience.

• Strong understanding of balance sheets, income statements, and cash flow statements.

• Ability to collect and analyze data, identify trends, and interpret complex information.

• Proficiency in statistical evaluation and integration of varied data sources

Exceptional Candidates Might Have

• Bachelors Degree in Finance, Accounting, Business Administration or related field preferred.

• Advanced financial analysis skills and deep knowledge of internal systems and software applications.

• Strengths in Customer Focus, Decision Making, Continuous Improvement, Results Orientation, Attention to Detail, Integrity, Problem Solving, and Talent Development.
   

#DTFSUSA  #LI-Hybrid 

Where We Work

This position is open to applicants who can work in (or relocate to) the following location(s)- 

Charlotte, NC US, Fort Mill Office - DTFS. 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