Commercial Credit Analyst

5 hours ago

Coppell, Texas, United States Toyota Industries Commercial Finance Full time
Toyota Industries Commercial Finance is a leading commercial lender for Toyota Forklifts, Hino Trucks, and Toyota Advanced Logistics. We are part of the global Toyota Industries Corporation family, with over 15,000 associates in North America and over 70,000 associates worldwide. Our vision is to be the financial services partner of choice to our dealers and customers by delivering innovative solutions that support their sustainable growth. We achieve this by engaging diverse talent and passion of people who are committed to helping carry the load, contribute to society, and strive for continuous improvement.

**Why Work at Toyota?**

At Toyota Industries Commercial Finance, you'll enjoy the benefits of a small company with the backing of a big-name brand. Our culture is built on the foundation of Respect for People and Continuous Improvement, which has been our guiding principle since 1926. We value our associates and the communities we serve, and we're committed to making a positive impact.

**What You'll Get:**

* Competitive compensation and a company-wide bonus program
* A market-leading benefit package, including comprehensive care and education assistance
* The opportunity to work with a diverse team of professionals who are passionate about making a difference
* A chance to contribute to the growth and success of our dealers and customers
* A dynamic and supportive work environment that encourages continuous learning and improvement

**About the Job:**

As a Commercial Credit Analyst, you'll partner with our OEMs, Toyota Material Handling and Hino Motor Sales, and their respective equipment and commercial truck dealerships to ensure business growth through risk-based commercial lending programs. You'll perform financial analysis of these dealerships to support the commercial lending by reviewing commercial credit opportunities and recommending appropriate lending structures.

**Responsibilities:**

* Conduct annual commercial credit reviews and quarterly monitoring of assigned portfolio
* Underwrite new dealers, dealer acquisitions, new business lines, and make effective recommendations to department manager, director, and credit committee
* Perform commercial credit financial ratio analysis of annual and quarterly financial statements
* Prepare periodic quality credit memos for new credit facilities or changes to existing credit lines
* Review proper documentation of contractual lending agreements
* Facilitate daily processing of dealer requests, including dealer transfers and flooring of assets, and follow for collection of monthly charges and assist with payment reconciliations
* Monitor compliance to TICF Credit-Risk policies and provide recommendations for any corrective action, monitor payment trends, and events affecting dealers' financial performance
* Ensure UCC security interests are maintained, which includes processing of UCC-1 and UCC-3 financing statements, facilitating inter-creditor negotiations in accordance with TICF lending policies
* Participate in periodic reporting requirements (departmental monthly and reports...etc.)
* Coordinate with the Audit Analyst to assist in the verification of collateral/inventory assets for the purpose of mitigating TICF exposure
* Identify opportunities to Kaizen standard departmental policies and procedures
* Serve as a department spokesperson for assigned functions, attend meetings as the department representative, report information back to the department, and train other associates

**Qualifications:**

* 1-2 years of commercial credit financing experience from a commercial banking organization or other commercial lending institution
* Understanding of documentation requirements for commercial credit facilities
* Experience with financial statement analysis, underwriting, and strong analytical skills
* Detail-oriented and high organizational skills
* A working knowledge of the Microsoft Office package, including Word, PowerPoint, and Excel
* BS or B.A. degree preferred in Finance/Accounting or Business Administration or related experience

**Preferred Qualifications:**

* Commercial Credit Training Program preferred
* Customer relationship management experience a plus
* Knowledge of inventory audit process a plus
* Experience with DataScan Wholesale Intelligence System or an inventory management and commercial lending system, general lending technology preferred
* Familiarity with T-Value applications or other similar financial calculation software

**Our Core Performance Competencies:**

* Customer First
* One TICF
* Mindset of Continuous Improvement
* Demonstrate Inclusive Behaviors
* Learn, Grow, Develop

**Learn More:**

Visit our website at toyotacf.com or follow us on LinkedIn at Toyota Industries Commercial Finance: My Company | LinkedIn. Toyota Industries Commercial Finance is an equal opportunity employer.

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