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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; 1 5 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 proficie
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