Commercial Credit Analyst

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Job description

Who We Are

A part of a bright future tied to a proud past.

As part of the Toyota family of companies, Toyota Industries Commercial Finance (TICF) creates extraordinary customer experiences through our Brand Promise to be the partner of choice in the commercial finance industry.

Since 1985, TICF has offered an extensive line of commercial financing programs for Toyota forklifts and Hino trucks through our network of Toyota Industrial Equipment and Hino Motor Sales dealers to their customers. Our people-focused team of professionals are constantly striving to provide better solutions. Because of that we have experienced substantial growth and evolution. We are a new organization with a proud legacy. Are you interested in becoming part of it?

TICF Vision Statement: To be the premier captive finance company that champions Toyota Industries Corporation, Hino Motors, and dealers' prosperity.

TICF Mission Statement: Provide financial solutions to sell Toyota Industries, Hino Motors, and dealer products.

Why This Job Exists: Job Summary/Scope of Impact

Partner with our OEMs, Toyota Material Handling and Hino Motor Sales, and their respective equipment and commercial truck dealerships to ensure business growth through risk based commercial lending programs. Perform financial analysis of these Toyota Material Handling (TMH) and Hino Motor Sales (HMS) dealerships to support the commercial lending by reviewing commercial credit opportunities and recommending appropriate lending structures. Financial analysis will include cash flow analysis, spreading business financial statements and tax returns, spreading guarantor financials and tax returns, and other commercial underwriting functions. Loan products include floor plan-inventory lines of credit, working capital, commercial real estate financing, construction loans and revolving lines of credit.

What You'll Do: Major Accountabilities

• Conduct Annual and Quarterly Commercial Credit Reviews.
• Prepare periodic quality Credit Memos for new credit facilities or changes to existing credit lines.
• Perform commercial credit analysis of submitted annual and quarterly financial statements.
• Review proper documentation of contractual lending agreements.
• Facilitate daily processing of dealer requests including dealer transfers and flooring of assets and follow for collection of monthly charges and assist with payment reconciliations.
• Monitor compliance to TICF Credit -Risk policies and provide recommendation for any corrective action, monitor payment trends and keeping abreast of events affecting dealers' financial performance.
• Ensure UCC security interests are maintained which includes processing of UCC-1 and UCC-3 financing statements, facilitating inter-creditor negotiations in accordance with TICF lending policies.
• Participate in periodic reporting requirements (departmental monthly and reports…etc.).
• Coordinate with the Audit Analyst to assist in the verification of collateral/inventory assets for the purpose of mitigating TICF exposure.
• Analyst should identify opportunities to Kaizen standard departmental policies and procedures. Serve as a department spokesperson for assigned functions, attend meetings as the department representative, report information back to the department and train other associates.

Who You Are: Experience, Training, Education

• 3-5 years of commercial credit financing experience from a commercial banking organization or other commercial lending institution.
• Familiarity with documentation requirements for commercial credit facilities.
• Experience with financial statement analysis, underwriting and strong analytical skills.
• Customer Service experience preferable, but not required.
• Knowledge of inventory audit process.
• Detail oriented and high organizational skills
• A working knowledge of the Microsoft Office package including Word, PowerPoint, and Excel,
• Experience with DataScan Wholesale Intelligence System or an inventory management and commercial lending system, General lending technology
• Familiarity with T-Value applications
• Commercial Credit Training Program preferred
• S. or B.A. degree (preferred in Finance/Accounting or Business Administration) or related experience. MBA preferred.

Competencies

1. Builds Trust: Can be trusted to keep promises and confidences. Is honest and ethical. Behavior is consistently aligned with organization's core values.

Core Values

• Be faithful to your duties thereby contributing to the company and to the overall good of society.
• Be ahead of the times through endless creativity, curiosity, and pursuit of improvement.
• Be practical an avoid frivolity.
• Be kind and generous; strive to create a warm, home-like atmosphere.
• Be humble and show gratitude for things great and small.

1. Communicates Effectively: Expresses self clearly, both in writing and in speaking. Is thorough, yet concise, and is consistently straightforward. Creates clarity. Readily shares information with others.
2. Supports Change & Innovation: Always supports change initiatives in a positive way. Proactively embraces change. Look for new ways of improving your day-to-day processes. Partner with your leadership team to support the top organization initiatives to achieve business goals.
3. Customer Focused: Expresses a consistent passion to exceed internal and external customer expectations. Makes customer satisfaction a priority in all organizational decision making. Treats all associates like a best customer. Acts with a sense of urgency when responding to customers and coaches others to do the same.
4. High-Performing Team Player: Proactively seeks new ways to continually learn and develop. Takes initiative and strives to consistently exceed expectations at all times. Addresses conflicts/concerns through the appropriately avenues in a spirit of cooperation. Creates appropriate SMART goals aligned to the top business objectives.
5. Achieves Results: Overcomes obstacles to achieve results that set high standards for others and that positively impact the organization.

Turn Toward Great Benefits

• Work/Life (flextime, 9/80 work schedule offered where applicable)
• Tuition reimbursement
• Vehicle rental, lease, and purchase program
• Medical, dental, and vision insurance (plus more)
• Generously matched 401(k)
• Generous paid time off (vacation, sick, personal, holidays)
• Open, collaborative work environment
• Opportunities for growth

• Toyota Industries Commercial Finance is an equal opportunity employer.