Credit Analyst

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

Job summary

Toyota Financial Services is seeking a Credit Analyst for a fully remote position based in Quebec. The successful candidate will analyze credit applications, make informed decisions, and maintain communication with dealership personnel. This role requires a Bachelor's degree and at least three years of relevant experience in an automotive retail environment. Join a diverse team committed to creating exceptional customer experiences.

Qualifications

• Three or more years of credit analyst/lender experience in automotive retail.
• Bilingual in English and French preferred.
• Experience in a fast-paced, deadline-driven environment.

Responsibilities

• Analyze retail automotive credit applications.
• Make quality credit decisions and maintain internal control standards.
• Provide recommendations on credit applications exceeding limits.

Skills

Analytical skills

Problem-solving

Critical thinking

Decision-making

Interpersonal skills

Negotiation

Communication

Organizational skills

Attention to detail

Education

Bachelor’s degree in Business/Commerce

Tools

MS Office

Fraud Detection Tools

Job description

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 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 seeking ways to grow the business portfolio and find non-traditional ways to build deals.

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 perform successfully 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 using 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.
• Attention to detail to ensure accuracy and integrity of all 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 in English and French (oral and written fluency) is 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 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 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 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, an award-winning global company recognized for technological leadership, quality, continuous improvement, and environmental responsibility. Join us to be part of creating exceptional customer experiences in a dynamic environment.