DEALER LENDING ANALYST - UNDERWRITING

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 worlds 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. Were 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.

Who we are TFS

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 were looking for

Toyota Financial Services / Mazda Financial Services'Dealer Lending Department is looking for a highly motivated and qualified Dealer Lending Analyst. This role is in Plano, TX.

This person is responsible for underwriting dealer credit packages for Toyota, Lexus, and Mazda dealers across the country. They will be evaluating multiple packages a month, with loan requests ranging from $1M-$100M+. Loan requests include floorplan lines of credit, real estate loans, working capital loans, and revolving lines of credit. They will be coordinating with field associates and dealership personnel in all aspects of the loan package request, providing an assessment of TFS / MFS collateral position including recommendations to strengthen position, as well as consulting with TFS / MFS legal, reviewing and maintaining Uniform Commercial Code (UCC) filings and reviewing wholesale loan documentation.

Reporting to the Dealer Lending Manager, the person in this role will support the Toyota Financial Services / Mazda Financial Services Dealer Lending objective to maintain and service its commercial lending portfolio of loans.

What youll be doing

Perform financial analysis based on company prepared financial statements, tax returns, and CPA reviewed / audited financial statements in order to determine a commercial borrowers financial wherewithal, including evaluating their, sales / profitability trends, liquidity, leverage, and capitalization.

Prepare and assess cash flow analyses for all proposed borrowers / loans.

Following financial, collateral, and guarantor analysis, prepare a credit package which outlines the risks associated with the respective credit request and provide recommendations to the appropriate approval authorities with relevant information to support conclusions.

Present completed credit requests to the appropriate approval authority, including credit committees.

Review legal structure to determine proper conclusions related to ownership, guaranties, and collateralization. For multi-franchise / corporation requests, consolidate the information into a cohesive, simplified version noting the inter-relationships and associated financial risks.

Review and analyze documentation related to loan approvals, including, but not limited to, organizational document reviews for LLCs, corporations, partnerships, etc. Document review to also include buy / sell agreements, real estate purchase agreements, intercreditor agreements, subordination agreements, etc.

Consult with TFS / MFS Legal to determine any corrections or modifications to documents or approvals to ensure TFS / MFS risk management goals.

Participate in internal projects relating to system enhancements and process improvements.

Prepare ad hoc reports per request from senior management.

Portfolio monitoring including sales, profitability, expense, and financial ratio trend analysis.

What you bring

Bachelors degree in Finance, Accounting or related discipline

Professional experience in financial analysis of commercial loan documents, to include complex organizational structures, cash flow analysis, industry standard financial ratios / covenants, and establishing loan collateralization

Experience in underwriting expertise with automotive dealer borrowers

Added bonus if you have

Presentation experience to a credit committee

Proficiency using Crowe Navigator or equivalent financial statement spreading tool

Experience with analyzing loan requests to ensure legal compliance and reach a conclusion as to risk position of the loan

Syndication / participation experience

What well 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

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)

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. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members efforts to dream, do and grow without questioning that they belong.

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.

Have a question, need assistance with your application or do you require any special accommodations? Please send an email to [email protected] .

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