Senior Commercial Credit Analyst

Inside the Role

Job Summary
We are seeking a Senior Dealer Commercial Credit Analyst to lead complex credit analysis and risk assessment activities for dealership floorplan, revolving, term, and real estate financing across North America. This role is central to supporting Daimler Truck Financial Services’ profitable portfolio growth through deep financial analysis, independent credit judgment, and sound risk evaluation.
This position goes beyond transactional or guideline-based underwriting and instead emphasizes interpretive financial analysis, critical thinking, and holistic risk assessment. The role blends high level financial analysis and prudent credit risk management with leadership, mentorship, and strategic partnership across our borrowers, Sales, Legal, Risk, and Audit teams.
You will provide subject matter expertise in financial statement analysis and credit evaluation, review and challenge credit work, shape credit strategy, as well as coach and develop junior team members, strengthening the overall analytical capability of the organization — all while driving well-informed, balanced risk decisions across a diverse and dynamic portfolio.
We have several key positions available:
Senior Dealer Credit Analyst
Key Account Management Specialist
Regional Credit Analyst

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

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; 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.   

What You Drive at DTFS:

Credit Analysis & Underwriting

• Lead a team of underwriters in preparing clear, well-reasoned credit risk assessments for dealership floorplan, revolving, term and real estate financing proposals, renewals or modifications for credit committee approval.

• Coach team members in the negotiation of optimal structures, terms and risk mitigation strategies with clients, dealers or internal teams.   

• Provide training and guidance on balance sheet, income statement and cashflow analysis, repayment capability, borrower performance trends, and collateral position. Ensuring risk concerns are properly identified and mitigated.
• Oversee and manage a portfolio of key commercial dealer accounts, including payment and audit performance, development trends, covenant monitoring, asset management, and periodic risk rating or special asset reviews are completed.
• Ensure compliance with corporate credit policies and quality standards, including limits of authority and reporting requirements.
• Serve as a voting member of credit committee and subject‑matter expert for complex credit topics, projects, and policy interpretations.

Cross‑Functional Collaboration

• Partner with clients and internal teams to shape credit strategies that support customer needs and business growth while maintaining a strong risk profile.
• Collaborate with clients and legal teams on loan documentation, restructuring, collateral positions, and transaction structures.
• Contribute to departmental projects, compliance audits, and initiatives to drive efficiency, improve risk performance/return or underwriting quality and consistency.

Knowledge You Should Bring:

• BS/BA degree preferred with 5 years business experience; OR 8 years relevant experience in lieu of degree.
• At least 3 years of underwriting or finance experience, including a minimum of 1 year of financial analysis and presentation experience.
• Proficiency with Microsoft Suite (Excel, Outlook; strong analytical abilities).
• Analytical Skills; ability to collect data, establish facts and identify trends/variances to make sound credit decisions.
• Attention to detail, problem‑solving ability, judgement and organizational skills.
• Strong communication skills with the ability to clearly articulate recommendations to team members and senior leadership. Experience coaching or reviewing work of others is a plus.

Exceptional Candidates Might Have: 

• 3+ years of commercial credit underwriting in fleet, dealer, or collateral‑based lending environments.
• Experience in accounting, dealership operations, automotive/trucking industry finance, floorplan/wholesale credit or commercial loan restructuring.
• Understanding of secured lending concepts, including UCC/PPSA rules, priority agreements, and related legal documentation.
• Experience with financial assessment or portfolio systems (ALFA, PEGA, Credit Lens) or similar platforms.
• Background in mentoring, coaching, or leading junior staff.
• French language proficiency (oral and written) a plus.

Why Join Us:

• Daimler Truck is the world’s largest commercial vehicle manufacturer by volume and revenue. We have >100,000 employees worldwide. We are highly committed to our customers who Keep the World Moving.
• Opportunity to play an integral role in shaping the underwriting quality and decision making of a multibillion-dollar credit portfolio with a team of developing credit professionals.
• Collaborate with high‑performing Sales, Risk, Legal and Audit teams to deliver sound credit solutions.
• Opportunities to take on strategic projects, improve processes, and contribute to organizational excellence.
• A culture that values expertise, teamwork, and continuous professional growth.

Success Looks Like:

• High‑quality, well‑supported credit recommendations delivered consistently and on time.
• A stronger, more capable and collaborative credit risk team.
• Proactive identification of risks and opportunities across your portfolio.
• Trusted relationships with key internal partners and stakeholders.
• Elevated underwriting standards and improvements driven through your leadership.

#WorkatDTFS

#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