Hybrid Corporate Credit Analyst: Data-Driven Lending

Toyota Financial Services, KINTO and KINTO JOIN; Epsom; On-site; GBP 42,000 - 65,000; Full time

Benefits offered by this job

Hybrid work pattern

Car schemes for Toyota & Lexus

Pension scheme

25 days annual leave

Private Medical Healthcare

Group Income Protection

Employee Assistance Program

Eye tests

Onsite gym

Wellbeing hour

Learning & development

Flexible working

Job summary

Toyota Financial Services UK is seeking an experienced Corporate Credit Analyst on a 12-month fixed-term contract to support lending decisions for Fleet & Wholesale customers across TFSUK, KINTO and One Toyota portfolios.

You will combine financial analysis, underwriting judgment and stakeholder collaboration to protect the business, support customers and dealer partners, and drive continuous improvement in Corporate Credit.

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

Financial analysis

Underwriting

Data analysis

Communication skills

Problem solving

Relationship building

Continuous improvement

Learning new tools

Tools

Excel

XLOOKUPs

Pivot tables

Macros

PowerPoint

Power BI

Job description

Toyota Financial Services UK is seeking an experienced Corporate Credit Analyst on a 12-month fixed-term contract to support lending decisions for Fleet & Wholesale customers across TFSUK, KINTO and One Toyota portfolios.

You will combine financial analysis, underwriting judgment and stakeholder collaboration to protect the business, support customers and dealer partners, and drive continuous improvement in Corporate Credit.