Fleet Credit Analyst
About the Role
The Fleet Credit Analyst 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.
What You Drive
- 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.
Benefits
- 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
Pay
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
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.