Credit Analyst

at  Toyota

Job Description
Credit Analyst
About Toyota Financial Services
Toyota Financial Services (TFS) provides retail, leasing and wholesale financial services to Toyota and Lexus dealerships and customers across Canada. TFS is a member of Toyota Financial Services Corporation (TFSC), a wholly owned subsidiary of Toyota Motor Corporation in Japan with the Canadian operation headquarters in Markham, Ontario.
What Sets Us Apart?
At Toyota Financial Services (TFS), you will help create best in class customer experiences in an innovative, collaborative and team focused environment. TFS is an important part of the Toyota family, an award-winning global company, recognized worldwide for our technological leadership and superior standards of quality, continuous improvement and environmental responsibility. At TFS, you will help create best in class customer experiences in an innovative, collaborative and team focused environment.
TFS currently has an exciting permanent opportunity as a Credit Analyst, reporting to the Credit Supervisors. This role will reside in our Markham Head Office.

What you will be doing:

• Analyze retail automotive credit applications within established turnaround times.
• Make quality credit decisions with critical thinking and discipline.
• Maintain internal control standards, protect company risk and perform due diligence when making credit decisions.
• Provide recommendations to supervisor on credit applications in excess of lending limits.
• Provide guidance and instruction to the Credit Investigator.
• Maintain a consistent level of communication, direction and support with dealership personnel on credit offerings.
• Demonstrate a sales consultative approach by negotiating and looking for ways to grow the business portfolio and finding non-traditional ways to build deals.

What you bring:

• Bilingual English/French (oral and written fluency) is an asset
• 3+ years of credit analyst/lender experience in an automotive retail credit environment in addition to some collections experience.
• Bachelor’s degree or equivalent. Business/Commerce preferred.
• Proven ability to perform successfully in a challenging team-oriented, fast-paced and deadline driven environment.
• Proven analytical problem-solving skills, critical thinking and decision-making skills.
• Proactive and innovative with strong sense of ownership.
• Strong interpersonal, negotiation and communication skills.
• Willingness to build relationships with dealers by utilizing a proactive sales approach.
• Persuasive influencing ability while exuding confidence.
• Solid customer focus and the desire to deliver industry leading service.
• Effective organizational and time management skills.
• Crucial attention to detail is imperative to ensure accuracy and integrity of all financial data.
• Proficiency with MS Office products and Fraud Detection Tools / Processes (Ex: Luminate).
• Flexibility to work rotating shifts between the hours of 8:15am to 9:00pm EST, including Saturdays and holidays.

What We’ll Bring:

• A work environment built on teamwork, flexibility, and respect
• Competitive salary including bonus
• Health and dental benefits effective immediately.
• Company pension plan with matched contribution
• Associate vehicle discount program
• Professional growth and development programs to help advance your career, as well as tuition reimbursement
• Fitness reimbursement
• Competitive time off benefits
• Great company culture-Respect for people and continuous improvement is at our core
• Hybrid work environment

What You Should Know:
Our success begins and ends with our people. We embrace diverse perspectives and value unique human experiences. 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, or any other characteristics protected by law.

• Analyze retail automotive credit applications within established turnaround times.
• Make quality credit decisions with critical thinking and discipline.
• Maintain internal control standards, protect company risk and perform due diligence when making credit decisions.
• Provide recommendations to supervisor on credit applications in excess of lending limits.
• Provide guidance and instruction to the Credit Investigator.
• Maintain a consistent level of communication, direction and support with dealership personnel on credit offerings.
• Demonstrate a sales consultative approach by negotiating and looking for ways to grow the business portfolio and finding non-traditional ways to build deals