Hybrid Corporate Credit Analyst – Impactful Risk & Growth

Toyota; Epsom; Hybrid; GBP 50,000 - 70,000; Full time

Benefits offered by this job

Hybrid work pattern

Pension scheme

Annual leave 25 days

Private medical healthcare

Wellbeing initiatives

Learning & development opportunities

Job summary

Toyota Financial Services UK are looking for an experienced Corporate Credit Analyst, joining us in a 12-month fixed term contract.

The role combines financial analysis, underwriting judgement and stakeholder collaboration to support responsible lending decisions across TFSUK, KINTO and One Toyota Fleet Team.

The department handles funding requests from £250k to £250m for Fleet & Wholesale customers and dealerships, helping manage risk and enable sustainable growth across Toyota portfolios.

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

Excel

Power BI

PowerPoint

Analytical mindset

Stakeholder management

Communication skills

Tools

Excel

Power BI

PowerPoint

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 combines financial analysis, underwriting judgement and stakeholder collaboration to support responsible lending decisions across TFSUK, KINTO and One Toyota Fleet Team.

The department handles funding requests from £250k to £250m for Fleet & Wholesale customers and dealerships, helping manage risk and enable sustainable growth across Toyota portfolios.