Credit Review and Assessment
Daimler Truck North America, Charlotte, NC, United States
Inside the Role
The Regional Credit Analyst is a junior level role working with a Senior specialist in the Region Credit team. This role will be responsible for supporting credit risk management across an assigned region, with a strong focus on high-quality analysis, communication skills, and presentation skills. This role partners closely with our markets, risk team members, and business teams to assess credit exposure, monitor portfolio risk, and prepare board- and executive-level materials. The ideal candidate brings hands-on experience in dealer or commercial credit, financial statement analysis, and broader credit topics.
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 Travel - minimum to 5%.
Pay offered dependent on knowledge, skills, and experience
What you Drive at DTFS Credit Analysis & Risk Management
Perform in-depth reviews of credit files, including dealers, corporates, and other credit exposures within the North America region.
Assess financial statements, cash flow, leverage, liquidity, and key credit metrics to support credit decisions.
Support credit approvals, renewals, limits, and ongoing credit reviews in accordance with policy and risk appetite.
Monitor regional credit portfolios, high line of credits, identify emerging risks, and escalate concerns with clear recommendations.
Board & Executive-Level Reporting
Develop clear, concise, and visually compelling PowerPoint presentations for board-level and senior management forums.
Translate complex credit and market risks into executive-ready narratives and insights.
Prepare regional credit updates, portfolio trends, stress scenarios, and ad hoc analysis/reporting for leadership.
Markets & Business Partnership
Partner closely with business teams to understand credit scenarios and customer needs and provide credit guidance on new transactions, structures, and evolving market conditions.
Understand credit processes and pain points of credit teams to help optimize processes as needed.
Governance & Controls
Ensure compliance with internal credit policies, procedures, global rules and expectations.
Contribute to audits, regulatory reviews, and internal risk governance processes.
Support enhancements to credit frameworks, reporting, and analytics.
Knowledge You Should Bring
BS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience (credit analysis, credit risk, or a related risk management role).
Must be able to read, write, and speak Spanish.
Experience with dealer or commercial credit, financial statement analysis, and credit underwriting.
Proven ability to create PowerPoint presentations with clear messaging.
Understanding of credit risk concepts, market dynamics, and portfolio risk.
Strong written and verbal communication skills, with the ability to influence stakeholders.
An Exceptional Candidate might have
Exposure to multiple credit asset classes (corporate, dealer, wholesale, or structured credit).
Advanced Excel and PowerPoint skills; experience with credit systems, AI or risk tools a plus.
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, SC 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.
EEO Statement: 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.
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
Final note: EEO - Disabled/Veterans
#J-18808-Ljbffr
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 Travel - minimum to 5%.
Pay offered dependent on knowledge, skills, and experience
What you Drive at DTFS Credit Analysis & Risk Management
Perform in-depth reviews of credit files, including dealers, corporates, and other credit exposures within the North America region.
Assess financial statements, cash flow, leverage, liquidity, and key credit metrics to support credit decisions.
Support credit approvals, renewals, limits, and ongoing credit reviews in accordance with policy and risk appetite.
Monitor regional credit portfolios, high line of credits, identify emerging risks, and escalate concerns with clear recommendations.
Board & Executive-Level Reporting
Develop clear, concise, and visually compelling PowerPoint presentations for board-level and senior management forums.
Translate complex credit and market risks into executive-ready narratives and insights.
Prepare regional credit updates, portfolio trends, stress scenarios, and ad hoc analysis/reporting for leadership.
Markets & Business Partnership
Partner closely with business teams to understand credit scenarios and customer needs and provide credit guidance on new transactions, structures, and evolving market conditions.
Understand credit processes and pain points of credit teams to help optimize processes as needed.
Governance & Controls
Ensure compliance with internal credit policies, procedures, global rules and expectations.
Contribute to audits, regulatory reviews, and internal risk governance processes.
Support enhancements to credit frameworks, reporting, and analytics.
Knowledge You Should Bring
BS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience (credit analysis, credit risk, or a related risk management role).
Must be able to read, write, and speak Spanish.
Experience with dealer or commercial credit, financial statement analysis, and credit underwriting.
Proven ability to create PowerPoint presentations with clear messaging.
Understanding of credit risk concepts, market dynamics, and portfolio risk.
Strong written and verbal communication skills, with the ability to influence stakeholders.
An Exceptional Candidate might have
Exposure to multiple credit asset classes (corporate, dealer, wholesale, or structured credit).
Advanced Excel and PowerPoint skills; experience with credit systems, AI or risk tools a plus.
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, SC 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.
EEO Statement: 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.
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
Final note: EEO - Disabled/Veterans
#J-18808-Ljbffr