Commercial Credit and Restructuring Analyst

About the role

Inside the Role As a Commercial Credit and Restructuring Analyst, you'll be at the forefront of managing financial risk across our commercial fleet customer base. This role blends operations, collections, and credit functions to ensure timely payment collection and deliver tailored workout solutions during times of financial distress.

You'll work closely with internal teams and external legal counsel to negotiate restructures, manage Special Assets accounts, and protect Daimler Truck Financial Service's collateral and security position. With exposure to executive management through the Special Assets Committee, this role offers a dynamic environment where your expertise directly influences the company's financial health.

You'll also support Canadian fleet customers with relief and restructure requests, contributing to a collaborative and high-performing team culture. 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 Pay offered dependent on knowledge, skills, and experience 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 Manage a portfolio of distressed commercial fleet accounts with balances ranging from $1M to $400M+. Ensure timely collections and negotiate customized workout solutions including payment plans, collateral returns, and asset liquidation. Conduct operational and financial analysis of fleet customers, including review of financial statements and economic trends.

Prepare detailed restructure proposals and present recommendations to senior management and credit committees. Monitor Special Assets accounts, maintain SAC database, and ensure compliance with internal guidelines and credit rules. Support compliance efforts by adhering to local and global credit regulations. Assist in training and coaching fleet collectors to enhance team performance and reduce company risk.

Contribute to departmental projects, process improvements, and uphold DTFS values. 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 of overall work experience in commercial finance. Strong credit and collections knowledge. Proficiency in Microsoft Office and mainframe systems. Strong analytical skills and ability to interpret financial data.

Exceptional Candidates might have Experience with DTFS systems and applications: ALFA, PEGA, ECredit Pro, Credit Lens (Moody's). Understanding of legal documentation and UCC code. French language proficiency 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. For an accommodation or special assistance with applying for a posted position, please contact our Human Resources department at or toll free. For TTY/TDD enabled call or toll free