Dealer Credit Analyst

Toyota - Plano, TX4.0

Full-timeEstimated: $51,000 - $72,000 a year
Who we are

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for diverse, talented team members who want to grow and challenge what's possible.

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.

Who we’re looking for

The Dealer Credit Department is looking for a passionate and highly-motivated Dealer Credit Analyst. Reporting to the Dealer Credit Manager, the person in this role will be responsible for all activity related to writing commercial credit packages, including but not limited to: Providing financial/credit analysis for dealer financing products highlighting the risk to TFS, coordination with field associates regarding all aspects of the loan package request, consultation with TFS legal to protect TFS interests as they relate to loan transactions, review and maintenance of UCC filings and review of wholesale and loan documentation.

What you’ll be doing

Perform financial analysis based on company prepared financial statements, tax returns, and CPA reviewed/audited financial statements in order to determine the Borrower’s liquidity, leverage, and capitalization. Secure explanations for all significant accounting entries and process adjustments in accordance with TFS policies and procedures.

Provide cash flow analyses for all proposed loans. Evaluate, assess, and determine the risk associated with all credit requests and provide the approval authority with appropriate information to support conclusions. Evaluate the risk to TFS based on a careful analysis of all financial information, security for proposed loans, and proposed corporate/personal guaranties.

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.

Review and analyze documentation related to loan approvals. Review can include buy/sell agreements, trusts, LLCs, partnerships, and real estate documentation as well as standard documentation required for new wholesale relationships. Consult with TFS Legal to determine any needed correction or modification to documents or approvals to ensure TFS risk management goals.

Participate in internal projects relating to system enhancement, and process improvements. Prepare ad hoc reports per request from upper management.
What you bring

Bachelor’s degree in Finance, Accounting or related discipline

Experience in financial analysis of commercial loan documents, to include complex organizational structures, cash flow analysis, industry standard financial ratios/covenants, and establishing loan collateralization

Experience with analyzing loan requests to ensure legal compliance and reach a conclusion as to risk position of the loan

Experience in underwriting expertise with automotive dealer borrowers

Presentation experience to a credit committee

Demonstrated proficiency using Crowe, Avanti or related system preferred

Working knowledge of Microsoft Word, Excel, and PowerPoint.

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:

A work environment built on teamwork, flexibility and respect

Professional growth and development programs to help advance your career, as well as tuition reimbursement

Vehicle purchase & lease programs

Comprehensive health care and wellness plans for your entire family

Flexible work options based on business needs

Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute

Paid holidays and paid time off

Referral services related to prenatal services, adoption, child care, schools and more

Flexible spending accounts

Relocation assistance

Onsite amenities such as fitness center, restaurants, etc.

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, military or veteran status, or any other characteristics protected by law.

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