Corporate Credit Analyst - Internal Development Opportunity

Toyota Financial Services, KINTO and KINTO JOIN; Epsom; On-site; GBP 42,000 - 62,000; Full time

Job summary

Toyota Financial Services is seeking a proactive Corporate Credit Analyst for a 12-month opportunity. You will apply financial analysis, underwriting judgement and stakeholder collaboration to support responsible lending across TFSUK, KINTO and the One Toyota Fleet Team.

You will review credit submissions, update MI, monitor risk indicators and help ensure compliance with SOX, AML and GDPR while driving continuous improvement in processes and tools.

Qualifications

• 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.

Responsibilities

• 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.

Skills

Corporate credit analysis

Data analysis

Excel advanced

Power BI

Data mindset

Tools

PowerPoint

Job description

About the ‘Department’:

Corporate Credit currently has a 12-month opportunity available and would be delighted to consider applications from internal candidates.

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.

What you’ll be doing:

• 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.

Key Experience & Skills:

• 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.

Attributes & Behaviours:

• 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.

At Toyota Financial Services (TFS) it is more than just an externally bench-marked salary and bonus, we also offer:

• 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!

Our Recruitment Process

At Toyota Financial Services (TFS) we value everyone and are pleased to be recognised as a Disability Confident Employer.

We are committed to supporting disabled applicants throughout the recruitment process. Should you meet the minimum criteria for this role and wish to apply under the DC scheme, you may be moved forward to the next stage. Please ensure to add this information into your application.

When it comes to recruitment, please do let us know if we can adjust our process to be meet your accessibility needs.

Some examples of how we might be able to help are listed below:

• Providing a copy of interview questions before the interview
• Organising a time and location that best suits you
• Allowing additional time for the assessment and interview

We are happy to review any adjustment on a case-by-case basis to support you to be your best self.