Senior Small Business Credit Analyst

Responsibilities

• Manage the processing of all small business credit applications for the purpose of delivering superior service to dealers and customers
• Manage and allocate risk by employing sound credit and risk management strategies to maximize profitability to DTFS and brand partners
• Analyze, investigate, and decide small business credit applications up to established credit limits of authority, including handling of analyst exceptions to standard terms and advance
• Manage and resolve problems related to small business transactions of all segments
• Rate concessions and service impediments in all regions
• Build positive working relationships and deliver superior levels of service to DTFS dealers in assigned regions
• Travel to assigned dealerships to review business performance in conjunction with the District Finance Manager
• Provide support to analysts on difficult decisions and mentor by serving as a lead team member for credit buyers in assigned regions
• Review performance of credit buyers in assigned region relative to customer service levels, quality of underwriting, and compliance with policies & procedures
• Conduct internal audits to ensure compliance with DTFS credit policies and procedures
• Provide ongoing feedback on credit buyer job performance and contribute to performance reviews

• BS/BA and prefer 2-4 years of relevant experience or 6 years of relevant experience in lieu of degree
• Combined 1 year experience in Credit Underwriting and 2 years in any of the following areas:
  Truck Discounting, Truck Remarketing, Fleet Services, Collections or Client Services (in a Financial Services Industry)
• Exceptional Candidates Might Have: 2 years of commercial credit underwriting experience
• 2 years of credit experience in a collateral-based environment
• Background in commercial credit
• Experience with coaching and mentoring junior level employees
• Hands‑on experience conducting inter‑team audits

Demonstrates expertise in credit underwriting and risk management, with a strong focus on compliance and performance evaluation. Proven ability to mentor and lead teams while delivering exceptional service to clients and stakeholders.