Senior CRA and Fair Lending Analyst

TFB Toyota Financial Savings Bank Company; United States; Presencial; USD 97 000 - 157 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Health care and wellness plans for you

Team Member Vehicle Purchase Discount

Toyota 401(k) Savings Plan with match

Paid holidays and PTO

Resumo da oferta

Toyota is seeking a Senior CRA and Fair Lending Analyst to help ensure regulatory compliance by monitoring CRA and fair lending activities. You will turn complex data into actionable insights, maintain audit-ready records, and support management with timely regulatory reporting.

You will collaborate across business units, analyze trends, and assist with research and special projects while advancing fair and equitable lending practices within a leading automotive finance organization.

Qualificações

• 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 CRA and Fair Lending regulations.
• Experience in a regulated entity with compliance expectations.
• Strong organizational and analytical skills with ability to prepare reports and support regulatory compliance initiatives with high accuracy.
• Ability to communicate and collaborate across multiple business units while also working independently.
• Compliance certifications such as CCEP, CCCCP, CRCM, or CAMS are a plus.
• Experience with Kadince software.
• Advanced Microsoft Excel skills.

Responsabilidades

• Turn complex data into actionable insights to support community lending goals.
• Ensure records are audit-ready and lending strategies meet regulatory obligations.
• Analyze CRA and fair lending data to identify trends, gaps, and concerns.
• Maintain records of CRA service hours, investments, and lending activities.
• Perform quarterly analysis of the retail lending portfolio for CRA standards.
• Collaborate with TMCC to review monitoring results and coordinate follow-up.
• Compile and document regulatory reports for management and exams.
• Support the CRA & Fair Lending Officer with research and special projects.

Descrição da oferta de emprego

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

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

• In this role, you will be at the heart of our compliance efforts, turning complex data into actionable insights that help us serve our communities effectively.
• Success means you are a proactive problem-solver who ensures our records are audit-ready, and our lending strategies are aligned with our regulatory obligations.
• 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.

Benefits and Compensation

• 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

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.

Career Possibilities: Toyota is a place for people who dream big and are determined to make those dreams a reality. We encourage innovation and look for people who will challenge the status quo in order to make the world a better place. We thrive on teamwork and collaboration and know diverse backgrounds, experiences and perspectives are not only the right thing for our people, they are a business imperative. Together, we’re empowered to forge our own paths — to be agile, curious and embrace a growth mindset and immerse ourselves in situations to gain new perspectives and to inspire bold, innovative ways of thinking and working. Our success as a company is directly tied to our team members’ success, and our collective ability to give back to society through an unwavering commitment to delight our customers and make people’s lives better. If you want to be part of the next‑generation of innovations that help keep the world moving, then join us. And let’s start our impossible, together.