Credit Analyst

Toyota; Alpharetta (GA); On-site; USD 55,000 - 75,000; Full time

Benefits offered by this job

Team Member Vehicle Purchase Discount

Toyota Team Member Lease Vehicle Plan

Health care and wellness plans

401(k) with company match

Paid holidays and PTO

Relocation assistance (if applicable)

Job summary

Toyota Financial Services (TFS) in Alpharetta, GA, seeks a Credit Analyst to assess and approve retail and lease credit applications from automotive dealerships. You’ll support EC objectives under the Credit Supervisor, focusing on risk assessment and timely decision-making.

The role requires detailed analysis, strong communication, and the ability to adapt to a fast-paced environment with a flexible schedule, including weekends and holidays.

Qualifications

• Strong attention to detail and organizational skills.
• Excellent oral and written communication.
• Analytical mindset with ability to adapt to changing priorities.
• Proficiency in Microsoft Office applications.

Responsibilities

• Maintain decision response times to approved objectives.
• Evaluate and negotiate deals to maintain purchase quality.
• Advise management on problems or irregularities in financing.
• Monitor dealer trends and report adverse issues.
• Collaborate with Credit Investigation as needed.

Skills

Attention to detail

Interpersonal skills

Communication skills

Analytical skills

Prioritization

Flexible adaptability

Education

Bachelor’s degree

Tools

Microsoft Office

Job description

Overview

Who we are

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like at Toyota. As one of the world’s most admired brands, Toyota is growing and leading the future of mobility through innovative, high-quality solutions designed to enhance lives and delight those we serve. We’re looking for talented team members who want to Dream. Do. Grow. with us.

An important part of the Toyota family is Toyota Financial Services (TFS), the finance and insurance brand for Toyota and Lexus in North America. While TFS is a separate business entity, it is an essential part of this world-changing company- delivering on Toyota's vision to move people beyond what's possible. At TFS, you will help create best-in-class customer experience in an innovative, collaborative environment.

Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, ‘job flexibility benefits’ [also known as I-140 or Adjustment of Status portability], etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

Who we’re looking for

Toyota’s Eastern Region - Alpharetta, GA Experience Center (EC) is looking for a passionate and highly motivated Credit Analyst.

The primary responsibility of this role is to analyze and make determinations on approval, conditioning, and rejection of retail and lease credit applications received from automotive dealerships.

Reporting to the Credit Supervisor, the person in this role will support the Toyota Financial Services (TFS) EC objectives.

What you’ll be doing

• Maintaining decision call-back times at or below established objectives.
• Evaluating and negotiating deals as necessary in order to maintain the quality of purchases within established guidelines.
• Advising management of any problems or irregularities pertaining to retail, lease, or wholesale financing, breeches of trust, or other violations of TFS plans.
• Monitoring dealer trends and identifying and reporting adverse issues.
• Partnering with Credit investigation as needed.

What you bring

• Strong attention to detail and organizational skills and multitasking.
• Strong interpersonal and relationship building skills.
• Excellent oral and written communication skills
• Excellent analytical skills
• Ability to adapt and prioritize with changing, fast paced situations
• Knowledge of Microsoft Office applications
• Ability and willingness to work a flexible and rotating schedule including weekends and holidays

Added bonus if you have

• Bachelor’s degree highly preferred
• Relevant work experience such as automotive retail and/or wholesale financing
• Relevant work experience such as retail credit, collections, dealership financial statements or wholesale

What We’ll Bring

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• A work environment built on teamwork, flexibility, and respect
• Professional growth and development programs to help advance your career, as well as tuition reimbursement
• Team Member Vehicle Purchase Discount
• Toyota Team Member Lease Vehicle Program (if applicable)
• Comprehensive health care and wellness plans for your entire family
• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable)
• Paid holidays and paid time off
• Referral services related to prenatal services, adoption, childcare, schools and more
• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)
• Relocation assistance (if applicable)

Belonging at Toyota

Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star.

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.