Credit Analyst

Toyota•Alpharetta, GA

4d•Onsite

About The Position

Toyota Financial Services (TFS), Toyota and Lexus’s finance and insurance brand in North America, is seeking a Credit Analyst for the Eastern Region – Alpharetta, Georgia Experience Center. The role analyzes retail and lease credit applications submitted by automotive dealerships and makes approval, conditioning, or rejection determinations. The Credit Analyst reports to the Credit Supervisor and supports the objectives of the TFS Experience Center. The role requires maintaining decision call-back times within established objectives, evaluating and negotiating deals to maintain purchase quality within established guidelines, and identifying and reporting dealer or financing issues. The analyst also partners with Credit Investigation as needed. The schedule is flexible and rotating, including weekends and holidays.

Requirements

Strong attention to detail and organizational skills, including the ability to multitask.
Strong interpersonal and relationship-building skills.
Excellent oral and written communication skills.
Excellent analytical skills.
Ability to adapt and prioritize in changing, fast-paced situations.
Knowledge of Microsoft Office applications.
Ability and willingness to work a flexible, rotating schedule that includes weekends and holidays.

Nice To Haves

Bachelor’s degree (highly preferred).
Relevant work experience in automotive retail and/or wholesale financing.
Relevant work experience in retail credit, collections, dealership financial statements, or wholesale.

Responsibilities

Analyze retail and lease credit applications received from automotive dealerships and determine whether to approve, condition, or reject them.
Maintain decision call-back times at or below established objectives.
Evaluate and negotiate deals as necessary to maintain the quality of purchases within established guidelines.
Advise management of problems or irregularities involving retail, lease, or wholesale financing, breaches of trust, or other violations of TFS plans.
Monitor dealer trends and identify and report adverse issues.
Partner with Credit Investigation as needed.

Benefits

Professional growth and development programs.
Tuition reimbursement.
Team Member Vehicle Purchase Discount.
Toyota Team Member Lease Vehicle Program, if applicable.
Comprehensive health care and wellness plans for the employee’s entire family.
Toyota 401(k) Savings Plan with a company match and an annual retirement contribution regardless of whether the employee contributes, if applicable.
Paid holidays and paid time off.
Referral services related to prenatal services, adoption, childcare, schools, and more.
Tax-advantaged accounts, including a Health Savings Account, Health Care FSA, and Dependent Care FSA.
Relocation assistance, if applicable.