Corporate Credit Analyst (contract)
Toyota Financial Services, KINTO and KINTO JOIN
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Benefits offered by this job
Job summary
Toyota Financial Services UK is seeking an experienced Corporate Credit Analyst for a 12-month fixed term contract. You will perform financial analysis, underwriting, and provide recommendations to support lending decisions across TFSUK, KINTO and One Toyota Fleet Team.
The role involves updating Management Information, reviewing risk indicators, and helping maintain credit policies in line with SOX, Money Laundering and GDPR requirements.
Qualifications
- Previous experience in financial analysis and underwriting for corporate customers.
- Microsoft Excel expertise including advanced functions and data tools.
Responsibilities
- Provide high standard of financial analysis, preparing credit reviews and recommendations for lending.
- Demonstrate knowledge in underwriting submissions and management information reporting.
- Assist in maintaining credit policies and procedures, ensuring compliance with SOX, AML and GDPR.
Skills
Tools
Job description
Toyota Financial Services UK are looking for an experienced Corporate Credit Analyst, joining us in a 12-month fixed term contract. The role in a nutshell: This is an opportunity to play a key role in supporting responsible lending decisions across TFSUK, KINTO and the One Toyota Fleet Team. You will combine financial analysis, underwriting judgement and stakeholder collaboration to help protect the business, support our customers and dealer partners, and contribute to continuous improvement across Corporate Credit. About the 'Department': The Corporate Credit team completes financial analysis, recommendations and underwriting for funding requests from £250k to £250m for Fleet & Wholesale customers and dealerships. The team plays a key role in supporting quality lending decisions, managing credit risk and enabling sustainable growth across TFSUK, KINTO and One Toyota portfolios.
Provide a high standard of financial analysis preparing credit reviews and make recommendations for lending for submission and approval by relevant authorities. Recommend frequency of future reviews and stock audit controls through our clearly defined grading structure. Demonstrate knowledge and understanding when reviewing and approving underwriting submissions at the appropriate authority level. Manage the update of Management Information provided by Toyota and Lexus Centres, reviewing Management Information for early warning signals, risk indicators & adverse trends, utilising excel skills and escalating issues as appropriate. Assist in the management of credit related and underwriting policies and procedures, ensuring they are maintained and comply with SOX, Money Laundering and GDPR requirements. Demonstrate knowledge and understanding in matters relating to credit, financial analysis, underwriting and facility approval or financial by acting as a reference point for relevant departments and colleagues. Assist in managing the parameters and security of Dealer funding instruments, across various product ranges including new car funding, used car funding, current account, demonstrator facilities, term loans and mortgages. Take ownership and responsibility for ensuring performance against published service standards.
Previous experience of financial analysis and underwriting for corporate customers. Ability to analyse data, identify trends and draw clear conclusions. Good understanding of Microsoft Office products, specifically Excel, including VLOOKUPs, XLOOKUPs, pivot tables and macros. Basic PowerPoint and Power BI skills. Curiosity and enthusiasm for using technology and data tools to improve analysis, identify trends and support continuous improvement.
Excellent verbal and written communication skills. Keen problem solver with a proactive and curious approach. Numerate with an aptitude for working with figures and data. Capable of building strong working relationships and liaising with all levels of staff, management and external customers. Comfortable challenging existing ways of working in a constructive way. Strong continuous improvement mindset, with an interest in finding smarter, simpler and more effective ways to deliver high-quality outcomes. Open to learning and experimenting with new tools, while applying sound judgement and appropriate governance.
- Hybrid working pattern is 2 days in the office and 3 days from a location of your choice.
- Access to attractive car schemes for you (& your family) for Toyota & Lexus cars
- Excellent pension scheme (up to 6% employee contribution and 15% employer contribution).
- Generous annual leave of 25 days which increases with service and holiday purchase option
- Private Medical Healthcare (single, partner/spouse and dependent children) with Digital GP Service
- Group Income Protection cover with Aviva including physical, mental, and financial wellbeing services
- Employee Assistance Program
- Eye tests
- Onsite gym, Sports and Social Club, & flu jabs to keep you healthy
- Wellbeing hour each month and many more initiatives throughout the year to encourage a healthy mind and body, and to raise awareness and celebrate diversity, equity and inclusion.
- Dress for your day policy to make you feel comfortable at work
- Eco HQ, free parking & restaurant
- Two volunteering days per year
- Reward gateway voucher discounts
- Flexible working scheme and we welcome flexible working conversations at interview
- Regular 121s with your manager, a personal development review (PReview) each quarter
- A wide range of learning & development opportunities including Linked In Learning courses
- £250 contribution towards you learning something new outside of work
- Annual events (e.g., summer party, BBQ & Xmas party) including Countdown to Christmas events every December - it is so much fun!
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