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Senior Credit Risk Analyst
2 months ago
About the Role:
We are seeking a highly skilled Senior Credit Risk Analyst to join our team at Toyota Financial Services Corporation. As a Senior Credit Risk Analyst, you will play a critical role in supporting both consumer and commercial applications, analyzing retail automotive credit applications, and making quality credit decisions with critical thinking and discipline.
Key Responsibilities:
- Analyze retail automotive credit applications within established turnaround times.
- Make quality credit decisions with critical thinking and discipline.
- Maintain internal control standards, protect company risk, and perform due diligence when making credit decisions.
- Provide recommendations to supervisor on credit applications in excess of lending limits.
- Provide guidance and instruction to the Credit Investigator.
- Maintain a consistent level of communication, direction, and support with dealership personnel on credit offerings.
- Demonstrate a sales consultative approach by negotiating and looking for ways to grow the business portfolio and finding non-traditional ways to build deals.
Requirements:
- Bilingual skills (French/English)
- Five plus years of credit analyst/lender experience in an automotive retail credit environment in addition to some collections experience.
- Bachelor's degree or equivalent. Business/Commerce preferred.
- Proven ability to perform successfully in a challenging team-oriented, fast-paced, and deadline-driven environment.
- Proven analytical problem-solving skills, critical thinking, and decision-making skills.
- Proactive and innovative with a strong sense of ownership.
- Strong interpersonal, negotiation, and communication skills.
- Willingness to build relationships with dealers by utilizing a proactive sales approach.
- Persuasive influencing ability while exuding confidence.
- Solid customer focus and the desire to deliver industry-leading service.
- Effective organizational and time management skills.
- Crucial attention to detail is imperative to ensure accuracy and integrity of all financial data.
- Proficiency with MS Office products and Fraud Detection Tools/Processes (Ex: Luminate).
- Flexibility to work rotating shifts, including Saturdays and holidays.
About Toyota Financial Services Corporation:
Toyota Financial Services Corporation provides retail, leasing, and wholesale financial services to Toyota and Lexus dealerships and customers across Canada. We are a member of Toyota Financial Services Corporation (TFSC), a wholly owned subsidiary of Toyota Motor Corporation in Japan with the Canadian operation headquarters in Markham, Ontario.
What Sets Us Apart:
At Toyota Financial Services Corporation, you will help create best-in-class customer experiences in an innovative, collaborative, and team-focused environment. We are an important part of the Toyota family, an award-winning global company recognized worldwide for our technological leadership and superior standards of quality, continuous improvement, and environmental responsibility.