Credit Analyst

Credit Analyst

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 talented team members who want to Dream. Do. Grow. with us.

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 experience in an innovative, collaborative environment.

Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

Who We're Looking For

Toyota's Credit Department is looking for a passionate and highly motivated Credit Analyst.

The primary responsibility of this role is to analyze and make determinations on approval, conditioning, and rejection of retail and lease credit applications received from automotive dealerships. Reporting to the Credit Supervisor, the person in this role will support the Toyota Financial Services (TFS) objectives and provide a high level of service to the dealer body, cultivating and preserving strong relationships with dealership personnel.

What You'll Be Doing

• Maintaining decision callback times at or below established objectives.
• Evaluating and negotiating deals as necessary in order to maintain the quality of purchases within established guidelines.
• Advising management of any problems or irregularities pertaining to retail, lease, or wholesale financing, breaches of trust, or other violations of TMCC plans.
• Monitoring dealer trends and identifying and reporting adverse issues.
• Partnering with Credit Investigation as needed.

What You Bring

• Relevant work experience such as automotive retail and/or wholesale financing.
• Relevant work experience such as retail credit, collections, dealership financial statements, or wholesale.
• Strong attention to detail and organizational skills.
• Excellent analytical, oral, and written communication skills.
• Working knowledge of Microsoft Office applications.
• Ability and willingness to work a flexible and rotating schedule 8 am – 5 pm, 9 am – 6 pm & 11 am – 8 pm, and every other Saturday.
• Work hours may include overtime on Holidays and Sundays as needed.
• Ability and willingness to work a hybrid work schedule; working both in the office and at primary & private residences as scheduled.

Added Bonus If You Have

• Bachelor's degree is highly preferred.

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
• 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)

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 View email address on click.appcast.io.