Senior Dealer Lending Analyst

Overview

Who we are

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 were looking for

ToyotasDealer LendingDepartment is looking for a passionate and highly motivatedSenior Dealer Lending Analyst.

The primary responsibility of this role is to underwrite complex 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 Departments objective to maintain the portfolio of loans.

What youll be doing

• Perform financial analysis based on company prepared financial statements tax returns and CPA reviewed/audited financial statements to determine the Borrowers liquidity leverage and capitalization.

• Complete bank statement GL Trial Balance and tax return reconciliations to financial statements provided.

• 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 guarantees.

• 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 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.

• Participate in TFS/Private Label Group internal projects relating to system enhancement and process improvements.

• Prepare ad hoc reports per request from upper management and work with cross-departmental teams.

• Mentor and develop junior analysts fostering a culture of accuracy continuous improvement and professional growth within the team.

• Complete peer reviews of outputs to ensure accuracy and completeness in addition to providing constructive feedback.

• Lead complex credit analyses and risk assessments for high-value dealer lending portfolios providing expert guidance and final recommendations to management.

• Ad hoc activities includingdrive cross-departmental initiatives to enhance lending processes systems and compliance standards ensuring alignment with organizational risk management objectives.

• Lead Kaizen efforts by establishing best practices to maintain high standards of accuracy and compliance.

What you bring

• Bachelors degree in Finance Accounting or related discipline or equivalent working experience.

• 5 years experience in financial analysis of commercial loan underwriting including complex organizational structures cash flow analysis industry-standard financial ratios/covenants and establishing loan collateralization.

• Experience presenting complex financial information and credit structure to a credit approval authority.

• Experience reviewing financial information in conjunction with policies and procedures to identify key credit risks and deviations from operational standards in order to make suggestions to mitigate credit and operational risk.

• Experience leading department projects and initiatives effectively and efficiently while managing workload of package underwriting.

• Knowledge of MS Office Suite (Word Excel PowerPoint Outlook).

Added bonus if you have

• Demonstrated proficiency using Crowe Navigator or similar financial analysis program.

• Experience in underwriting expertise with automotive dealer borrowers.

What Well 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

• Team Member Vehicle Purchase Discount

• Toyota Team Member Lease Vehicle Program (if applicable)

• Comprehensive health care and wellness plans for your entire family

• 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 childcare schools and more

• Tax Advantaged Accounts (Health Savings Account Health Care FSA Dependent Care FSA)

Belonging at Toyota

Our success begins and ends with our people. We embrace all 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.

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 need assistance with your application or do you require any special accommodations Please send an email to .