Job Information
Toyota Senior Dealer Lending Analyst in Plano, Texas
Overview
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 Dream. Do. Grow. with us.
We value our talented employees, and whenever possible strive to help one of our associates grow professionally before recruiting new talent to our open positions. If you think the open position you see is right for you, we encourage you to apply!
Our people make all the difference in our success.
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.
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 we’re looking for
Toyota Financial Services/Mazda Financial Services’ Dealer Lending Department is looking for a passionate and highly motivated Senior Dealer Lending Analyst. This role is in Plano, TX.
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. They will be coordinating with field associates and dealership personnel in all aspects of the loan package request, providing an assessment of TFS/MFS collateral position including recommendations to strengthen position, as well as consulting with TFS/MFS legal, reviewing and maintaining Uniform Commercial Code (UCC) filings and reviewing wholesale loan documentation.
Reporting to the Dealer Lending Manager, the person in this role will support the Toyota Financial Services/Mazda Financial Services Dealer Lending Department’s objective to maintain and service its commercial lending portfolio of loans.
What you’ll be doing
Perform financial analysis based on company prepared financial statements, tax returns, and CPA reviewed/audited financial statements to determine the Borrower’s 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
Assist in the training and development of new and existing Team Members.
Complete peer reviews of outputs to ensure accuracy and completeness in addition to providing constructive feedback.
What you bring
Bachelor’s degree in Finance, Accounting, or related discipline required or equivalent experience
Three or more years of experience in financial analysis of commercial loan documents, 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.
Demonstrated proficiency using Crowe Navigator, or similar financial analysis program.
Experience leading department projects and initiatives effectively and efficiently while managing workload of package underwriting.
Added bonus if you have
- Experience in underwriting expertise with automotive dealer borrowers.
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
Flextime and virtual work options (if applicable)
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
Flexible spending accounts
Relocation assistance (if applicable)
Belonging at Toyota
Our success begins and ends with our people. We embrace diverse 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. As a company that has been one of DiversityInc’s Top 50 Companies for Diversity and a member of The Billion Dollar Roundtable supporting minority and woman-owned suppliers for over 10 years, 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.
Have a question, need assistance with your application or do you require any special accommodations? Please send an email to talent.acquisition@toyota.com.