Credit Analyst

Toyota North America; Toronto; Hybrid; CAD 80,000 - 100,000; Full time

Job summary

A leading automotive financial service provider is seeking a Credit Analyst to analyze retail automotive credit applications and ensure quality credit decisions. You will utilize your experience in a fast-paced environment while maintaining communication with dealership personnel. The ideal candidate holds a Bachelor's degree and has over three years of relevant experience, with strong analytical and interpersonal skills. This position offers a hybrid working model based in Markham, Ontario.

Qualifications

• Over three years of credit analyst/lender experience in an automotive retail credit environment.
• Bilingual in English and French (oral and written) preferred.
• Ability to succeed in a fast-paced, deadline-driven team environment.

Responsibilities

• Analyze retail automotive credit applications within established turnaround times.
• Make quality credit decisions with critical thinking and discipline.
• Provide recommendations on credit applications exceeding lending limits.

Skills

Analytical skills

Problem-solving skills

Communication skills

Customer-focused approach

Negotiation skills

Time management skills

Attention to detail

Education

Bachelor's degree in Business or Commerce

Tools

MS Office

Fraud Detection Tools/Processes

Job description

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 its Canadian 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 part of the Toyota family, a globally recognized company known for technological leadership, quality, continuous improvement, and environmental responsibility.

TFS currently offers a permanent opportunity for a Credit Analyst, reporting to the Credit Supervisors. This position is hybrid, based out of our Markham head office.

What you will be doing :

1. Analyze retail automotive credit applications within established turnaround times.
2. Make quality credit decisions with critical thinking and discipline.
3. Maintain internal control standards, protect company risk, and perform due diligence when making credit decisions.
4. Provide recommendations to supervisors on credit applications exceeding lending limits.
5. Guide and instruct the Credit Investigator.
6. Maintain communication, direction, and support with dealership personnel regarding credit offerings.
7. Demonstrate a sales consultative approach by negotiating, seeking business growth opportunities, and exploring non-traditional deal structures.

What you bring :

• Over three years of credit analyst/lender experience in an automotive retail credit environment, including some collections experience.
• Bachelor’s degree or equivalent; Business or Commerce degree preferred.
• Ability to succeed in a challenging, fast-paced, deadline-driven team 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.
• Ability to build relationships with dealers using a proactive sales approach.
• Persuasive, confident influencing skills.
• Customer-focused with a commitment to industry-leading service.
• Effective organizational and time management skills.
• 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 8:00 am and 11:00 pm EST, including Saturdays and holidays.
• Bilingual in English and French (oral and written) - preferred.

What You Should Know :

Our success depends on our people. We value diverse perspectives and are committed to equal opportunity employment. We consider all applicants without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, or any other protected characteristic.