Credit Investigator

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Job description

Commercial Credit investigator

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

You will provide administrative and analytical Support for Toyota Industries Commercial Finance Retail Credit Decisioning Operations. This position provides a career path to advancement within Operations - Credit, Funding, Sales, Account Services.

What You'll Do: Major Accountabilities

Administrative Support for Retail Credit Decisioning Operations

• Identify and research system and customer information to accurately identify customer profile and existing accounts and prepare requests for Credit decisioning.
• Accurately enter asset and customer data from credit requests.
• Facilitate timely processing of credit applications while achieving scorecard objective for credit decision turn-around time.
• Obtain current copy of the company's Experian Business Credit report and/or Paynet Report.
• Obtain copy of the Secretary of State for the state where the business entity was formed.
• Process due diligence requirements in compliance with the Office of Foreign Assets Control (OFAC).
• Obtain the balances due on any existing TICF accounts.
• Notify Update outstanding approval (s) if the company has other pending credit approval(s) with TICF.
• Accurately enter data, complete and document the Credit Risk Scorecard to generate risk level.
• Alert Credit Analyst where there are opportunities to expedite decisioning based on Credit Risk Scorecard risk score.
• Process customer data updates.
• Collaborate with Credit Analysts to ensure efficient and accurate credit decisioning.
• Collaborate with Funding staff to resolve discrepancies and assist in timely funding of contracts.

Analytical Support for Retail Credit Decisioning Operations

• Maintain integrity and control of commercial retail and lease credit requests and Credit Risk Scorecard processing while ensuring the terms and deal structures meet legal and business requirements.
• Facilitate timely credit decision processes while achieving department and individual scorecard objectives.
• Serve as a primary liaison between TICF and dealerships across United States in order to coordinate accurate completion of credit requests.
• Accurately enter application data and customer specific requirements into Credit Decisioning System for proper account maintenance.
• Identify discrepancies and credit risks within deal parameters in the structure of deals at inception and recommend constructive solutions in order to alleviate these discrepancies to arise in the future.
• Assist in developing step-by-step desk procedures for all critical functions in order to standardize credit decisioning processes and minimize errors.

Project Management and Others

• Assist with identifying and implementing Kaizen initiatives to optimize retail credit processes in order to enhance efficiencies while understanding end to end contract life cycle processing and administration.

Who You Are: Experience, Training, Education

Required experience:

• Excellent data entry skills using multiple monitors.
• Excellent team player that is driven by goals.
• Fast worker while maintaining the highest level of quality.
• Excellent attention to detail and ability to multi-task.
• Strong analytical and problem-solving skills.
• Strong written and verbal communication skills.
• Comfortable in self-directed, fast-paced, and high-volume environment
• Proficient in use of Microsoft Office applications such as Word and Excel.
• As an offset to work experience, may consider entry level position with business degree.

Preferred experience:

• Recent related work history with a Captive Finance Company
• 2 years of experience in financial services industry, preferably having experience in retail and lease credit origination and funding procedures, systems, and processes.
• Experience in Automotive Lending, Commercial Truck, or Commercial Equipment financing.
• Prior experience in SAP Leasing system is a plus.

Preferred education:

• Strongly preferred is a B.A./B.S. Degree in a business-related field but will consider other majors with business coursework.

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.