Corporate Credit Analyst

at  Toyota Financial Services KINTO and KINTO JOIN

CORPORATE CREDIT ANALYST

We are looking for an experienced individual to join our Corporate Credit team, where you will provide credit analysis, making recommendations and underwriting in relation to lending for our corporate customers and dealer partners for TFSUK, Mazda Kinto and One Toyota Fleet Team.
Working as a Corporate Credit Analyst, you will compete analysis, recommendation and underwriting for lending of funding requests ranging from £125k to £250m for submission to our UK Underwriters and European Credit Committee.

EXPERIENCE REQUIRED:

• Previous experience of interpreting corporate accounts, performing financial analysis and underwriting of corporate customers.
• Ability to analyse data and identify trends.
• Good understanding of Microsoft Office products, specifically Excel (V-lookups, X-lookups, pivot tables, macros).
• Basic PowerPoint and Power BI skills.

• Provide a high standard of financial analysis preparing credit reviews and make recommendations for lending for submission and approval by relevant authorities.
• Recommend frequency of future reviews and stock audit controls through our clearly defined grading structure.
• Demonstrate knowledge and understanding when reviewing and approving underwriting submissions at the appropriate authority level.
• Manage the update of Management Information provided by Toyota and Lexus Centres, reviewing Management Information for early warning signals, risk indicators & adverse trends, utilising excel skills and escalating issues as appropriate.
• Assist in the management of credit related and underwriting policies and procedures, ensuring they are maintained and comply with SOX, Money Laundering and GDPR requirements.
• Demonstrate knowledge and understanding in matters relating to credit, financial analysis, underwriting and facility approval or financial by acting as a reference point for relevant departments and colleagues.
• Assist in managing the parameters and security of Dealer funding instruments, across various product ranges including new car funding, used car funding, current account, demonstrator facilities, term loans and mortgages.
• Take ownership and responsibility for ensuring performance against published service standards.