Senior Dealer Lending Analyst
4 weeks ago
We are seeking a highly motivated and detail-oriented Senior Dealer Lending Analyst to join our team at Toyota Financial Services. As a key member of our Dealer Lending Department, you will be responsible for underwriting complex dealer credit packages for Toyota, Lexus, and Mazda dealers across the country.
Key Responsibilities- Manage and perform financial analysis of syndicated/participated loan facilities, including reviewing available term sheets, company prepared financial statements, tax returns, and CPA reviewed/audited financial statements.
- Complete bank statement, GL Trial Balance, and tax return reconciliations to financial statements provided.
- Provide cash flow analyses, including Debt Service Coverage Calculation and/or Fixed Charges Calculation.
- Evaluate, assess, and determine the risk associated with all credit requests and provide the approval authority with appropriate information to support conclusions.
- Review legal structure to determine proper conclusions related to ownership, guaranties, and collateralization.
- Review Borrowing Base and Financial Covenants certificate and consult with Field, Legal, and Risk for any non-compliant situation to determine the resolution.
- Bachelor's degree in Finance, Accounting, or related discipline.
- Three or more years of experience in financial analysis of syndicated/participation loans, and 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.
- 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.
- 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, childcare, schools and more.
- Tax Advantaged Accounts (Health Saving Account, Health Care FSA, Dependent Care FSA).
Toyota Financial Services is a leading provider of financial services to Toyota and Lexus dealerships in North America. We are committed to providing our customers with innovative, high-quality solutions designed to enhance their lives and delight those we serve.
We are an equal opportunity employer and celebrate the diversity of the communities where we live and do business. We are proud to be a member of The Billion Dollar Roundtable supporting minority and woman-owned suppliers for over 10 years.
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