Corporate Credit Analyst – Underwriting & Analytics

Toyota Financial Services (UK) PLC; Epsom; Hybrid; GBP 42,000 - 54,000; Full time

Benefits offered by this job

Hybrid working pattern

Private medical healthcare

Pension scheme

Annual leave 25 days

Learning & development

Volunteer days

Job summary

Toyota Financial Services UK is seeking an experienced Corporate Credit Analyst on a 12-month fixed-term contract. You will underpin responsible lending decisions across Fleet & Wholesale customers and dealerships, delivering robust financial analysis and clear recommendations for submission to the appropriate approval authorities.

In this role you will manage management information, monitor risk indicators, and contribute to policy and process improvements while collaborating with colleagues

Qualifications

• Previous experience of financial analysis and underwriting for corporate customers.
• Ability to analyse data, identify trends and draw clear conclusions.
• Knowledge of Microsoft Office, especially Excel (VLOOKUP, XLOOKUP, pivot tables, macros).
• Curiosity and enthusiasm for using data tools to improve analysis, identify trends and support continuous improvement.
• Excellent verbal and written communication skills.
• Strong problem-solving and proactive approach.
• Numerate with aptitude for figures.
• Ability to liaise with staff at all levels.

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

Financial analysis

Underwriting

Data analysis

Communication

Problem solving

Tools

Excel

Power BI

PowerPoint

Job description

Toyota Financial Services UK is seeking an experienced Corporate Credit Analyst on a 12-month fixed-term contract. You will underpin responsible lending decisions across Fleet & Wholesale customers and dealerships, delivering robust financial analysis and clear recommendations for submission to the appropriate approval authorities.

In this role you will manage management information, monitor risk indicators, and contribute to policy and process improvements while collaborating with colleagues