Credit Analyst

Toyota; Ontario; Hybrid; CAD 60,000 - 80,000; Full time

Job summary

Toyota Financial Services is seeking a Credit Analyst to join its team in Markham, Ontario. The successful candidate will analyze credit applications and make financial decisions while maintaining strong communication with dealerships. This hybrid role requires proven analytical skills and a background in the automotive finance industry.

Qualifications

• Three plus years of credit analyst / lender experience in automotive retail credit.
• Proven analytical problem-solving skills and decision-making ability.
• Bilingual English / French preferred.

Responsibilities

• Analyze retail automotive credit applications within established turnaround times.
• Make quality credit decisions and maintain internal control standards.
• Provide guidance and instruction to Credit Investigators.

Skills

Analytical Problem-Solving

Critical Thinking

Negotiation

Communication

Sales Consultative Approach

Education

Bachelor’s degree in Business / Commerce

Tools

Fraud Detection Tools

MS Office

Job description

time left to apply End Date : July 22, 2025 (10 days left to apply)

job requisition id 10302360

Job Description

Credit Analyst

About Toyota Financial Services

Toyota Financial Services (TFS) provides retail, leasing and wholesale financial services to Toyota and Lexus dealerships and customers across Canada. TFS is 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 (TFS), you will help create best in class customer experiences in an innovative, collaborative and team focused environment. TFS is 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. At TFS, you will help create best in class customer experiences in an innovative, collaborative and team focused environment.

TFS currently has an exciting permanent opportunity as a Credit Analyst, reporting to the Credit Supervisors. This position is hybrid out of our Markham head office.

What you will be doing :

• 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.

What you bring :

• Three 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 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 between the hours of 8 : 00am to 11 : 00pm EST, including Saturday’s and holidays.
• Bilingual English / French (oral and written fluency)-preferred

What You Should Know :

Our success begins and ends with our people. We embrace diverse perspectives and value unique human experiences. 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, or any other characteristics protected by law.

About Us

About Toyota in Canada

Toyota has a proud legacy of over 50 years of operating in Canada with three affiliated companies responsible for the manufacturing, sales and financing of Toyota and Lexus vehicles in Canada. These are Toyota Motor Manufacturing Canada, Toyota Canada Inc. and Toyota Financial Services. From exhilarating design and revolutionary manufacturing processes, to innovations in safety and connectivity, we’re building vehicles that make our roads safer, our communities cleaner and inspire our customers and employees to make the most of every journey.

On this site you can view open positions for both Toyota Canada Inc. and Toyota Financial Services. For open positions at our Toyota Motor Manufacturing Canada plant located in Cambridge, please click here . You can also learn more about all three companies below.

Toyota Canada Inc. (TCI) is responsible for the marketing, sales, distribution and customer service of Toyota and Lexus products and services across Canada. With our 287 dealer partners, we strive to deliver industry leading experiences for our customers. TCI’s head office is located in Toronto, with regional offices in Vancouver, Calgary, Montreal and Halifax, and Parts Distribution Centres in Toronto and Vancouver.

Toyota Financial Services (TFS) provides retail, leasing and wholesale financial services to Toyota and Lexus dealerships and customers across Canada. TFS is 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. At Toyota Financial Services (TFS), you will help create best in class customer experiences in an innovative, collaborative and team focused environment. TFS is constantly seeking new ways to innovate by creating products and services that add value for our customers.

Toyota Motor Manufacturing Canada

Toyota Motor Manufacturing Canada (TMMC) is a world-class automotive facility with manufacturing plants located in Cambridge and Woodstock, Ontario. Having produced more than eight million vehicles, we are one of the largest Toyota Motor Manufacturing facilities in North America. Recent investments at its facilities in Ontario will allow for increased production of the top-selling Toyota RAV4 and RAV4 Hybrid models in addition to the Lexus RX 350 and RX 450H vehicles.