Credit Analyst

Toyota Credit Canada Inc.; Quebec; Remote; CAD 60,000 - 80,000; Full time

Job summary

Join a leading financial services provider as a Credit Analyst. This fully remote role requires expertise in analyzing credit applications and making informed decisions. Ideal candidates will have a background in automotive retail credit and strong analytical skills. Enjoy a collaborative environment that values diversity and innovation.

Qualifications

• Three or more years of credit analyst/lender experience.
• Bilingual English/French preferred.
• High attention to detail for financial data accuracy.

Responsibilities

• Analyze retail automotive credit applications.
• Maintain internal control standards and perform due diligence.
• Provide recommendations on credit applications exceeding limits.

Skills

Analytical

Problem-Solving

Communication

Negotiation

Customer-Focused

Education

Bachelor’s degree

Tools

MS Office

Fraud Detection Tools

Job description

Direct message the job poster from Toyota Credit Canada Inc.

Helping you find the best talent for your organization

TFS currently has an exciting permanent opportunity as a Credit Analyst.

This role is fully remote (from Quebec) and the selected candidate will be required to work between the hours of 8:00am - 8:00pm EST.

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 exceeding lending limits.
• Provide guidance and instruction to the Credit Investigator.
• Maintain consistent communication, direction, and support with dealership personnel on credit offerings.
• Demonstrate a sales consultative approach by negotiating and seeking ways to grow the business portfolio and find non-traditional deal-building methods.

What you bring:

• Three or more years of credit analyst/lender experience in an automotive retail credit environment, including some collections experience.
• Bachelor’s degree or equivalent; Business/Commerce preferred.
• Proven ability to succeed in a challenging, team-oriented, fast-paced, and deadline-driven environment.
• Strong analytical, problem-solving, critical thinking, and decision-making skills.
• Proactive, innovative, with a strong sense of ownership.
• Excellent interpersonal, negotiation, and communication skills.
• Willingness to build relationships with dealers through a proactive sales approach.
• Persuasive influencing skills with confidence.
• Customer-focused with a desire to deliver industry-leading service.
• Effective organizational and time management skills.
• High attention to detail to ensure accuracy and integrity of financial data.
• Proficiency with MS Office and Fraud Detection Tools/Processes (e.g., Luminate).
• Flexibility to work rotating shifts between 8:15am and 10:00pm EST, including Saturdays and holidays.
• Bilingual English/French (oral and written) 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 diversity. Applicants are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, or any other protected characteristic.

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 part of Toyota Financial Services Corporation (TFSC), a wholly owned subsidiary of Toyota Motor Corporation in Japan, with Canadian headquarters in Markham, Ontario.

What Sets Us Apart?

At TFS, you will help create best-in-class customer experiences in an innovative, collaborative, and team-focused environment. TFS is part of the Toyota family, recognized worldwide for technological leadership, quality, continuous improvement, and environmental responsibility. Join us to help create exceptional customer experiences.

Seniority level

• Associate

Employment type

• Full-time

Job function

• Analyst and Business Development

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