Senior CRA and Fair Lending Analyst

Toyota North America; Henderson (NV); On-site; USD 97,000 - 157,000; Full time

Benefits offered by this job

Vehicle purchase discount

401(k) plan with company match

Comprehensive health care and wellness

Job summary

Toyota Financial Services Compliance Department seeks a Senior CRA and Fair Lending Analyst to ensure regulatory adherence and robust oversight of CRA and fair lending activities. Reporting to the CRA & Fair Lending Officer, you will help maintain an effective compliance framework.

Responsibilities include analyzing data, recording activities, and preparing reports for regulatory exams while collaborating with multiple business units to ensure accurate, timely disclosures.

Qualifications

• Bachelor's degree or equivalent work experience.
• 3+ years of analytical/compliance experience.
• Knowledge of CRA and Fair Lending regulations.
• Experience in regulated entities and regulatory expectations.
• Strong communication and collaboration across business units.

Responsibilities

• Analyze CRA and fair lending data to identify trends and risks.
• Record CRA service hours, investments, and lending activities.
• Quarterly retail lending portfolio analysis against CRA standards.
• Coordinate with TMCC to review monitoring results and follow-up.
• Prepare and document regulatory compliance reports for exams.
• Support monitoring, research, and projects on banking laws.

Skills

Analytical skills

Regulatory compliance

Data analysis

Cross-functional collaboration

Attention to detail

Education

BA/BS degree or equivalent

Tools

Kadince

Excel

Job description

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.

Overview

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 Financial Services Compliance Department is looking for a passionate and highly motivated Senior CRA and Fair Lending Analyst.

The primary responsibility of this role is to ensure the Bank remains compliant with regulatory requirements by monitoring, analyzing, and documenting Community Reinvestment Act (CRA) and fair lending activities.

Reporting to the Toyota Financial Savings Bank CRA & Fair Lending Officer, the person in this role will support the Compliance Department's objective to maintain an effective compliance oversight framework that upholds our commitment to fair and equitable lending practices.

What You’ll Be Doing

• Drive compliance excellence by analyzing CRA and fair lending data to identify trends, gaps, and potential concerns that shape risk awareness and decision-making.
• Maintain accurate records of CRA service hours, investments, and lending activities so the organization stays aligned with institutional obligations.
• Perform quarterly analysis of the retail lending portfolio to help ensure lending activity meets CRA standards.
• Partner with TMCC to review fair lending monitoring results and coordinate timely follow-up that supports effective resolution.
• Compile and document critical compliance reports so management stays informed and the organization is prepared for regulatory exams.
• Support the CRA & Fair Lending Officer with monitoring, research, and special projects that expand your expertise in banking laws and regulations.

What You Bring

• BA or BS degree or equivalent work experience.
• 3+ years of experience in a similar field or industry demonstrating analytical and compliance skills.
• Working knowledge of the Community Reinvestment Act (CRA) and Fair Lending regulations.
• Experience working in a regulated entity, with a solid understanding of compliance expectations.
• Strong organizational and analytical skills, with experience reviewing, interpreting, and tracking complex data, preparing reports, and supporting regulatory compliance initiatives with high accuracy.
• The ability to communicate and collaborate effectively across multiple business units while also working independently.
• Strong attention to detail and the ability to manage multiple priorities and deadlines in a fast-paced environment.

Added bonus if you have

• Compliance certification such as CCEP, CCCCP, CRCM, or CAMS.
• Experience working with Kadince software.
• Advanced Microsoft Excel skills.

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)

The annual base salary range for this position is $96,600.00 - $156,900.00.

Employees (and their families) are covered by medical, dental, vision, and basic life insurance. Employees are able to enroll in our company’s 401k plan.

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.