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Dealer Credit Analyst
Daimler Truck North America. Analyze the financial condition of commercial vehicle dealerships, truck equipment manufacturers, and affiliated companies to support new or existing lines of credit .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in credit analysis, financial statement review, and risk assessment within the automotive commercial finance sector. Proficient in building relationships with stakeholders and navigating complex organizational structures to support credit decisions.
Highest-signal resume keywords
Credit AnalysisFinancial Statement ReviewRisk AssessmentCommercial LendingWholesale Audit
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Financial Statement ReviewCashflow AnalysisCredit RecommendationsPortfolio ManagementData CollectionTrend IdentificationUCC UnderstandingAccounting FundamentalsAutomotive Industry FinanceDealer Finance Experience
Soft Skills
Customer FocusOrganizational SavvyProblem-SolvingAttention to DetailEffective Teamwork
Industry Keywords
Commercial Vehicle DealershipsCredit FilesDaimler Truck Financial GuidelinesSubordinationProtective AgreementsDealer Document FilesFinancial Performance MonitoringCreditworthiness AssessmentMarket DynamicsCross-Functional Relationships
About the role
Key responsibilities & impact- Analyze the financial condition of commercial vehicle dealerships, truck equipment manufacturers, and affiliated companies to support new or existing lines of credit
- Prepare, analyze, and submit new credit requests and file reviews to the Dealer Credit Manager
- Provide sound and reasoned credit recommendations to the appropriate level of credit authority
- Perform monthly reviews of dealership financial statements and recommend actions based on Daimler Truck Financial guidelines and dealership experience
- Make recommendations regarding subordination, guarantees, state legal requirements, UCCs, and other protective agreements
- Prepare and maintain dealer document files according to established procedures
- Provide daily service to DRM/RFM representatives, Region Managers, dealer personnel, and management regarding credit files, system issues, approvals, contingencies, documentation, and financial statements
- Review wholesale inventory and book audits and recommend actions on audit issues and exceptions
- Communicate with dealer personnel throughout the credit request and maintenance process
- Continuously monitor borrowers, financial performance, and payment of credit lines
- Communicate regularly with dealer principals/owners, CFOs, field sales, credit management, and legal counsel
Requirements
What you’ll need- BS/BA and preferably 2–4 years of relevant experience, or 6 years of relevant experience in lieu of degree
- Experience in credit analysis and automotive commercial underwriting
- Financial statement review and cashflow analysis
- Commercial lending or dealer finance experience
- Risk assessment or portfolio management experience
- Ability to collect data, establish facts, and identify trends and variance
- 3+ years of experience in fundamental accounting and/or automotive industry commercial finance
- Experience in wholesale audit
- Understanding of Universal Commercial Code (UCC)
- Business acumen to understand dealership operations, financial drivers, and market dynamics to assess creditworthiness and risk
- Organizational savvy and ability to navigate complex structures, build cross-functional relationships, and influence stakeholders in a corporate environment
- Customer focus and ability to build strong relationships
- Flexibility and ability to adapt to change
- Attention to detail and problem-solving and analysis skills
- Effective teamwork and collaboration capabilities
- Legally authorized to work permanently in the United States
- Successful completion of a criminal background check
Benefits
Comp & perks- Annual bonus program
- 401(k) company contribution with company match up to 6%
- 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
- Wellness programs
- Onsite fitness at some locations
- Tuition assistance
- Volunteer paid time off
- Short-term disability plans
- Long-term disability plans