Senior Dealer Credit Underwriter - High-Value Auto Finance

Toyota North America; Plano (TX); On-site; USD 95,000 - 135,000; Full time

Benefits offered by this job

Relocation assistance

Tuition reimbursement

Health care benefits

Job summary

Toyota North America in Plano, TX seeks a Senior Commercial Underwriter to underwrite complex dealer credit packages for Toyota, Lexus, and Mazda dealers nationwide. You will evaluate loan requests including floorplan lines of credit, real estate loans, working capital loans, and revolving lines of credit, supporting risk assessments and approvals.

Reporting to the Dealer Lending Manager, you will mentor analysts, perform cash flow analyses, prepare ad hoc reports, and drive process improvements

Qualifications

• 5+ years’ experience in financial analysis of commercial loan underwriting, including complex structures and cash flow analyses.
• Experience presenting complex financial information to credit approval authorities.
• Knowledge of financial ratios, covenants, and loan collateralization.

Responsibilities

• Perform financial analysis from financial statements, tax returns, and CPA-reviewed statements to assess liquidity and leverage.
• Provide cash flow analyses for proposed loans and evaluate risk for credit requests.
• Review loan documentation, ownership structures, and collateralization for complex deals.
• Lead complex credit analyses and mentor junior analysts toward accuracy and compliance.
• Prepare ad hoc reports and collaborate across departments to improve lending processes.

Skills

Financial analysis

Credit underwriting

Cash flow analysis

Risk assessment

Presentation to credit authority

Education

Bachelor’s degree in Finance/Accounting

Tools

MS Office Suite

Job description

Toyota North America in Plano, TX seeks a Senior Commercial Underwriter to underwrite complex dealer credit packages for Toyota, Lexus, and Mazda dealers nationwide. You will evaluate loan requests including floorplan lines of credit, real estate loans, working capital loans, and revolving lines of credit, supporting risk assessments and approvals.

Reporting to the Dealer Lending Manager, you will mentor analysts, perform cash flow analyses, prepare ad hoc reports, and drive process improvements