Sr. Dealer Credit Analyst - National Accounts

Job category: Finance/Controlling

Department:

Dealer Credit

Organization:

Mercedes-Benz Financial Services USA LLC

Location:

Mercedes-Benz Financial Services USA LLC, Fort Worth, TX Start date: immediately Publication date: 10.05.2026 Job number:

MER00042HY

Working time: Full time Apply Tasks

About Us:

Who is Mercedes-Benz Financial Services? Mercedes-Benz Financial Services, part of the global company Mercedes-Benz Mobility AG is the captive financing and mobility solutions company of the global luxury automobile manufacturer, Mercedes-Benz AG. We offer a comprehensive range of automotive financial and insurance products that make it easy for our customers to drive their dream Mercedes-Benz vehicle. Why work at Mercedes-Benz Financial Services? Working at Mercedes-Benz Financial Services is more than a job

• it's an opportunity to join an innovative team where you are valued for your contributions.

As an employee, you will experience career development in a positive, employee-centric environment. We're a global company that not only offers best-in-class products to our customers but also best-in-class benefits to our employees. Our employees experience a comfortable, friendly environment and relaxed, inclusive culture. Benefits When working at Mercedes-Benz Financial Services, you will enjoy a comprehensive and amenity-rich benefits package offering something for every employee at each stage of their life. As a new employee, you will have the opportunity to take advantage of the following benefits that go beyond

• beginning day one: Get Rewarded!

Competitive salary plus an annual bonus based on company performance and/or personal yearly performance Need a vacation? How about just some time for YOU! In addition to our vacation time, you'll receive fifteen (15) additional corporate holidays, which will allow you to celebrate religious holidays or escape to the spa! Designed to be flexible, we let you decide which days are most important to you! Ride in Style

• All employees are eligible to participate in the Mercedes-Benz Employee Lease Program We want you to be healthy! Outstanding medical, dental, and vision insurance, employer-paid short and long term disability plus on-site exercise facilities Is your family growing? Enjoy generous paid Family Leave Programs
• Six Weeks for New Parents; Adoption Expense Reimbursement Programs
• up to $6k per child Want to go back to school? Tuition Assistance Scholar Program
• receive up to $8k in vouchers to complete business-related coursework $6k for undergraduate $8k for graduate

Job Overview:

Oversee, mentor, and coach a team of 1-5 direct reports, including conducting annual performance reviews and supporting the preparation of credit requests in accordance with Mercedes-Benz Financial Services' (MBFS) credit criteria. Serve as an active member of the Local Credit Committee, responsible for reviewing, approving, and making decisions on annual reviews, new credit requests, internal memos (MEMOs), and addendums. Maintain continuous communication with Dealer Relationship Managers (DRMs), Regional Managers (RMs), and National Accounts Manager to collaboratively structure deals that support business retention while minimizing MBFS' credit exposure. Monitor inventory and financial audit results, aged inventory, duplicate financing, overline conditions, and related risk indicators across dealer accounts to proactively manage and mitigate financial risk for MBFS. Support the Regional Dealer Credit Manager with daily and monthly activities, including: Reviewing Wholesale/Retail, Cap Loan, and Terms & Conditions documentation. Participating in Dealer SAC and Portfolio Performance Review meetings. Maintaining the New Acquisition Forecast and Acquisitions/Losses reports. Completing various internal compliance audits.

Responsibilities:

Train and develop Dealer Credit Analysts, overseeing their review and preparation of credit requests by analyzing financial statements, creditworthiness, and establishing appropriate collateral positions. Present, or assist in presenting, finalized credit packages to various levels of approval authorities to support sound credit decisions. (35%) Prepare formal submission of annual credit file(s) reviews with recommendations for management. Complexity of files prepared will depend upon experience level. Present final product to varying approval authorities. (15%) Provide leadership and foster employee development by conducting regular coaching sessions, offering side-by-side assistance, and delivering on-the-job training. Manage performance appraisals, monitor productivity, drive goal achievement, and participate in talent selection to build a high-performing team aligned with organizational objectives. (20%) Create, review, and present various departmental analysis reports, including dealer progress updates and status tracking. Collaborate with internal stakeholders to ensure accurate and timely reporting that supports strategic decision-making. Coordinate with internal and external legal counsel on the preparation, review, and execution of legal documents related to MBFS' security interest, ensuring compliance with regulatory and internal policy standards. (15%) Manage dealer problem and watch-listed accounts by closely monitoring financial performance and identifying early signs of distress. Negotiate workout plans, forbearance agreements, and other tailored solutions to mitigate risk and prevent wholesale losses. Collaborate with stakeholders to implement effective recovery strategies. Prepare and maintain detailed reports and accurate accounting reconciliations to ensure transparent tracking of account status and financial outcomes. (10%) Provide daily servicing support to assigned dealer group(s), including tasks such as Assignment of Proceeds and approval of overlines, ensuring efficient and accurate processing in line with company policies. (5%) Qualifications

Qualifications:

Applicants must be legally authorized to work in the U.S. at the time of application. Relocation assistance will not be provided for this position. This position requires a minimum of 5 years of overall work experience.

Preferred experience includes:

Accounting:

2 years

Business-General:

2 years

Credit:

3 years

Finance:

1 year

Education:

High School Diploma/(GED) is required, Bachelor's Degree is preferred.

Recommended majors include:

Accounting Business Administration Finance

Additional Knowledge:

Minimum of 3 years' experience in a consumer or commercial lending environment with a focus on financial analysis.

Skills:

Analytical skills Ability to Collect data and establish facts and identify trends and variances Problem Solving skills

Additional Skills:

2 years of Financial analysis experience required, extensive knowledge of software and internal system applications required. Customer Focus Decision Making Attention to Detail Ability to develop talent

Recommended Prerequisites:

Dealer Credit Analyst; Retail Credit Analyst; Field Sales (Dealer Relations Manager) Posting Statement If you were not re-directed successfully after clicking the "Apply for this job" button, please click the following link to search and apply for the role on the local career portal: https://daimler.taleo.net/careersection/ex/jobsearch.ftl Mercedes-Benz Financial Services offers competitive salary, performance-based bonuses and a full suite of benefits including 401(K) with match, generous vacation and personal time, a Mercedes-Benz car program as well as flexible work arrangements. EEO/Minorities/Females/Disabled/Vets #LI-JM2 or #LI-DNI (remove if posted externally) Benefits Events for Employees Discounts for Employees Possible Mobile Phone for Employees Possible Mobility Offers Company Retirement Health