Overview

Who we are

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company – delivering on Toyota’s vision to move people beyond what’s possible. At TFS, you will help create best-in-class customer experiences in an innovative, collaborative environment.

To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time.

Who We’re Looking For

Toyota’s Dealer Lending Department is looking for a passionate and highly motivated Dealer Lending Analyst.

The primary responsibility of this role is to underwrite dealer credit packages for Toyota, Lexus, and Mazda dealers across the country by evaluating multiple packages a month with loan requests ranging from $1 million - $500 million. These loan requests include floorplan lines of credit, real estate loans, working capital loans, and revolving lines of credit.

Reporting to the Dealer Lending Manager, the person in this role will support the Dealer Lending Department’s objective to maintain the portfolio of loans.

What You’ll Be Doing

• Participate in internal projects relating to system enhancement and process improvements.
• Provide cash flow analyses for all proposed loans.
• Portfolio monitoring including financial trends and metrics.
• Review and analyze documentation related to loan approvals. Review can include buy/sell agreements, LLCs, partnerships, and real estate documentation as well as standard documentation required for new wholesale relationships. Consult with Toyota Financial Services (TFS)/Mazda Financial Services (MFS) Legal to determine any needed correction or modification to documents or approvals to ensure TFS risk management goals.
• Perform financial analysis based on company prepared financial statements, tax returns, and CPA reviewed/audited financial statements to determine the Borrower’s liquidity, leverage, and capitalization.
• Prepare ad hoc reports per request from upper management.
• Evaluate the risk to TFS based on a careful analysis of all financial information, security for proposed loans, and proposed corporate/personal guaranties.
• Evaluate, assess, and determine the risk associated with all credit requests and provide the approval authority with appropriate information to support conclusions.
• Review legal structure to determine proper conclusions related to ownership, guaranties, and collateralization. For multi-franchise/corporation requests, consolidate the information into a cohesive, simplified version noting the inter-relationships and potential problem areas.

What You Bring

• Experience in commercial underwriting.
• Professional experience in financial analysis of commercial loan documents, to include complex organizational structures, cash flow analysis, industry standard financial ratios/covenants, and stablishing loan collateralization.
• Bachelor’s degree in Finance, Accounting, or related discipline. Or experience 2-5yrs

Added Bonus If You Have

• Proficiency using Crowe Navigator.
• Experience with analyzing loan requests to ensure legal compliance and reaching a conclusion as to risk position of the loan.
• Experience in underwriting expertise with automotive dealer borrowers and syndicated loan facilities.
• Presentation experience to a credit committee.

What We’ll Bring

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute
• Professional growth and development programs to help advance your career, as well as tuition reimbursement
• Flextime and virtual work options (if applicable)
• A work environment built on teamwork, flexibility and respect
• Vehicle purchase & lease programs
• Relocation assistance (if applicable)
• Paid holidays and paid time off
• Referral services related to prenatal services, adoption, childcare, schools and more
• Comprehensive health care and wellness plans for your entire family
• Flexible spending accounts

Belonging at Toyota

Our success begins and ends with our people. We embrace diverse perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong. As a company that has been one of DiversityInc’s Top 50 Companies for Diversity and a member of The Billion Dollar Roundtable supporting minority and woman-owned suppliers for over 10 years, we are proud to be an equal opportunity employer that celebrates the diversity of the communities where we live and do business.

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.

Have a question or need assistance with your application? Please send an email to [email protected].