Dealer and Fleet Credit Manager

Aufgaben

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:

Responsible for managing and overseeing the credit underwriting and funding by dealer credit and fleet credit teams including new acquisitions, portfolio management, reporting, problem credit resolution, dealer liquidations, credit restructures, company wide adherence to global credit rules, internal compliance requirements, credit product establishment and management, global credit rating management, global credit system enhancement designs, testing, and implementations.

This role serves as the primary credit relationship manager for senior dealer ownership and executive stakeholders, leads high-exposure underwriting and credit committee submissions and provide leadership to Sr. Dealer Credit Analysts, Dealer Credit Analysts, Fleet Credit Manager, Fleet Credit Analysts and Credit Compliance Specialist. The position ensures alignment with dealer risk appetite, global credit governance standards, and operational excellence in dealer credit execution.

Responsibilities:

1. Lead, mentor, and develop Senior Dealer Credit Analysts and Dealer Credit Analysts supporting the Western Region portfolio, the Fleet Credit Manager and Fleet Credit Analysts supporting the commercial fleet portfolio, review credit analysis, monitoring reports, and customer communications for quality and accuracy, allocate workload, manage performance expectations, support professional development, and foster a culture of accountability, collaboration, and continuous improvement (20%)

2. Oversee financial monitoring, covenant compliance, exposure management, ensure timely credit line renewals, execution of legal documentation, escalate material risk issues, and recommend and execute corrective action plans, and support portfolio concentration management and MB utilization tracking (15%)

3. Review, present, and approve credit submissions at Local, Executive, and Global Credit Committees, ensure adherence to credit policy, ensure collateral and guaranty structure aligns with the global credit and product riles, manage and drive risk appetite, ensure adherence to global governance requirements, lead responses to committee questions, approval conditions, and post-approval documentation. Serve as an acting member of Executive Credit Committee with committee approval authorities up to $400 million (20%)

4. Contribute to development of global credit policies and credit product rules, manage the local development and approval of Americas Hub credit products, create, maintain and enforce credit underwriting standards, policies and procedures, partner with senior and global leadership to outline portfolio growth strategy and risk positioning, collaborate with global credit counterparts to align local credit practices…