Credit Risk Review Data Specialist

Toyota North America•Plano, TX

About The Position

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. To save time applying, Toyota does not offer sponsorship of job applicants for employment-based visas or any other work authorization for this position at this time. Who we’re looking for The Credit Risk Review (CRR) department at Toyota Financial Savings Bank (TFSB) ensures that TFSB maintains its overall safety and soundness as a federally insured depository bank by providing an independent assessment of the asset quality of TFSB’s loan portfolios and the governance around the acquisition and management of those assets. CRR reports to the Chief Risk Officer (CRO) and has a direct independent communication line to the Risk Committee of the Board. CRR will provide independent assessments to meet all federal and state laws and regulations and provide periodic (quarterly) updates to the Risk Committee of the Board, and to the respective Bank and parent company management committees. CRR will have strategic and tactical responsibilities specializing in credit risk management, portfolio management, and regulatory risk management, ensuring the organization adheres to regulatory requirements and internal risk appetite levels across all lending products. The CRR Data Specialist role will work closely and support the CRR Specialist(s) and the CRR Executive to discharge the above mandates of the CRR department. The CRR Data Specialist will be responsible to access and independently extract from business and corporate data sources, perform data analysis, trend analysis, etc. to support on-going monitoring of all TFSB portfolios, support data analysis during and as follow up to credit review (loan review) engagements, including targeted reviews and testing to ensure control effectiveness. What you’ll be doing The CRR Data Specialist role will work closely with and support the CRR Specialist(s) and the CRR Executive to ensure that TFSB maintains its overall safety and soundness as a federally insured depository bank. Supports the vision, strategy, and execution for TFSB’s annual Credit Risk Review plan, within the fiscal year, to oversee TFSB’s credit risk taking activities. Use sampling techniques to determine which credits are selected during the specific credit review engagements (both full-scope and targeted reviews). The CRR Data Specialist role will work closely with and support the CRR Specialist(s) and the CRR Executive to complete an annual risk assessment of TFSB’s loan portfolios (e.g., Mortgage, Automotive) as well as operations (e.g., underwriting, collections) to determine the annual Credit Risk Review plan and execute the plan. The CRR Data Specialist role will work closely with and support the CRR Specialist(s) and the CRR Executive to provide TFSB’s Senior Management and the Risk Committee of the Board with an independent and timely assessment of the following:

Requirements

Bachelor’s degree in Finance, Econometrics, or Quantitative field (STEM).
2+ years of experience in credit risk management, credit risk review and/or internal audit in a financial services or banking institution with a demonstrated record of success.
Experience with data manipulation using Excel, summarization and cleaning of data, pivot tables, graphs, etc.
Data extraction tools, e.g., SQL, Snowflake
Data analysis tools, e.g., SAS, Python
Data visualization tools, e.g., Tableau, QliKView, MicroStrategy

Nice To Haves

Commercial automotive experience at a captive finance company.
Prior banking experience related to commercial lending.

Responsibilities

Analyze internal and external data, understand trends and draw inferences.
Benchmark internal data trends and KPIs with external benchmarks and regulatory guidance.
Responsible for independent data access and data extraction from business and corporate data sources, perform data analysis, trend analysis, etc. to support on-going monitoring of all TFSB portfolios.
Support data analysis during and as follow up to credit review (loan review) engagements, including targeted reviews and testing to ensure control effectiveness.
Identify relevant trends that affect the loan underwriting and contract booking as well as the collectability of the portfolios and highlight segments of the portfolio that are potential problem areas.
Assist in determining the adequacy TFSB’s internal credit risk polices, guidelines, procedures and standards.
Identify loans with actual/potential weaknesses so that risk mitigation actions can be taken to strengthen TFSB’s credit quality and minimize credit losses.
Using data analysis, assist in determining the sufficiency of TFSB’s “watchlist”.
Provide timely and pertinent reporting on asset quality as well as the overall quality of TFSB’s loan portfolios (e.g., Mortgage, Automotive).
Assist in evaluating the reasonableness of the ALLL.

Benefits

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
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)