Commercial Credit Underwriter

Daimler Truck•Charlotte, NC

1d•Hybrid

About The Position

Inside the Role The Commercial Credit Underwriter is responsible for evaluating, underwriting, and managing commercial credit applications across Dealer, Fleet, and Small Business customer segments within the United States and Canada. This role supports Daimler Truck Financial Services by assessing creditworthiness, managing credit risk, reviewing financial information, and ensuring adherence to DTFS credit policies. The Underwriter partners closely with Sales, Dealer personnel, Legal, Remarketing, and internal credit teams to support profitable portfolio growth, maintain strong customer and dealer relationships, and ensure high-quality underwriting standards. We have several key positions available: Small Business Credit Analyst Fleet Credit Analyst Dealer Credit Analyst Senior Small Business Credit Analyst Commercial Credit and Restructuring 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 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; 13+ 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 Underwrite commercial credit applications for dealer, fleet, workout or small business borrowers with transaction volumes ranging from single vehicle up to >$1million lines of credit. Communicate credit decisions or negotiate alternate structures to dealers, applicants or internal sales team. Analyze and evaluate supplied application and financial information, assess cashflow, repayment capability, borrower performance trends, and collateral risk. Identify concerns and recommend risk mitigating solutions or structures. Oversee a portfolio of commercial accounts, performing periodic reviews for compliance and risk classification based on defined frequency or changes to risk indicators. Prepare and present well‑reasoned credit recommendations to senior approving authorities when outside delegated limits. Evaluate available collateral, guarantees, and legal documentation requirements, as well as priority agreements to ensure collateral perfection and compliance. Collaboration & Process Improvement Build strong working relationships with assigned clients, dealers or internal stakeholders. Provide courteous, consultative and timely service and support. Participate in joint dealer or customer visits as needed. Contribute to departmental projects, process improvements, and cross-functional initiatives to drive efficiency, improve risk performance/return or underwriting quality and consistency. Knowledge You Should Bring: BS/BA degree preferred; OR 6 years relevant experience in lieu of degree. Minimum 2 years of general business experience, thereof at least 1 year in credit underwriting, commercial lending, restructuring, financial analysis, or related field. Ability to analyze financial statements, identify trends, and make sound credit decisions. Proficiency with Microsoft Suite (Excel, Outlook; strong analytical abilities). Ability to integrate information from multiple sources and evaluate statistical or financial data. Strong attention to detail, problem‑solving ability, and organizational skills. Exceptional Candidates Might Have: 2+ 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 restructuring. Understanding of secured lending concepts, including UCC/PPSA rules, priority agreements, and related legal documentation. Experience with collections, underwriting, portfolio, and scoring or rating systems (ALFA, PEGA, Credit Lens) or similar credit 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. #LI-CC1 #Workat DTFS #DTFSUSA #Hybrid 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 SHAPE YOUR FUTURE. CHANGE THE WORLD. Are you ready to join the inspired people who are helping shape the future of commercial vehicle manufacturing? Our employees enjoy lucrative benefits, competitive salaries and the opportunity to work in jobs across many functions—mechanical engineering and electrical engineering, accounting, sales & marketing, IT and more—both within our company and in our offices around the world.

Requirements

BS/BA degree preferred; OR 6 years relevant experience in lieu of degree.
Minimum 2 years of general business experience, thereof at least 1 year in credit underwriting, commercial lending, restructuring, financial analysis, or related field.
Ability to analyze financial statements, identify trends, and make sound credit decisions.
Proficiency with Microsoft Suite (Excel, Outlook; strong analytical abilities).
Ability to integrate information from multiple sources and evaluate statistical or financial data.
Strong attention to detail, problem‑solving ability, and organizational skills.

Nice To Haves

2+ 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 restructuring.
Understanding of secured lending concepts, including UCC/PPSA rules, priority agreements, and related legal documentation.
Experience with collections, underwriting, portfolio, and scoring or rating systems (ALFA, PEGA, Credit Lens) or similar credit platforms.
Background in mentoring, coaching, or leading junior staff.
French language proficiency (oral and written) a plus.

Responsibilities

Underwrite commercial credit applications for dealer, fleet, workout or small business borrowers with transaction volumes ranging from single vehicle up to >$1million lines of credit.
Communicate credit decisions or negotiate alternate structures to dealers, applicants or internal sales team.
Analyze and evaluate supplied application and financial information, assess cashflow, repayment capability, borrower performance trends, and collateral risk.
Identify concerns and recommend risk mitigating solutions or structures.
Oversee a portfolio of commercial accounts, performing periodic reviews for compliance and risk classification based on defined frequency or changes to risk indicators.
Prepare and present well‑reasoned credit recommendations to senior approving authorities when outside delegated limits.
Evaluate available collateral, guarantees, and legal documentation requirements, as well as priority agreements to ensure collateral perfection and compliance.
Build strong working relationships with assigned clients, dealers or internal stakeholders.
Provide courteous, consultative and timely service and support.
Participate in joint dealer or customer visits as needed.
Contribute to departmental projects, process improvements, and cross-functional initiatives to drive efficiency, improve risk performance/return or underwriting quality and consistency.

Benefits

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
13+ 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