Commercial Credit Analyst

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 diverse, talented team members who want to Dream. Do. Grow. with us. What We’re Looking For: Toyota Financial Savings Bank (TFSB) is looking for a detail-oriented and data-driven Commercial Credit Analyst to join our Commercial Risk team. This role is responsible for: • Supporting the underwriting of new loans and renewals • Portfolio management responsibilities including the monitoring and tracking of the Bank’s commercial loan portfolio • Portfolio analytics responsibilities including the update and tracking of multiple monthly reports What You’ll Be Doing • Review and approval of Real Estate Appraisals and interaction with internal and external attorneys and/or appraisers to determine the adequacy and acceptability of appraisals • Review and approval of Environmental Site Assessments and interaction with internal and external attorneys and/or environmental service providers to determine the adequacy and acceptability of Environmental Site Assessments • Monitor the Bank’s portfolio including tracking compliance of reporting and financial covenants, maintaining the Bank’s online credit files, and preparing annual reviews of the TFSB non-floorplan portfolio • Analyze, compile, and monitor multiple reports and trackers including originations, maturities, overlines, watch accounts, and exceptions in order to adequately manage various aspects of the commercial portfolio and provide necessary presentations to Senior Leadership Qualifications / What You Bring (Must Haves) • Bachelor’s degree or higher in Business, Finance, Accounting, Economics • 1–2 years’ experience in analytical roles • Demonstrated experience in SQL • Experience with data visualization tools like Tableau and Power BI • Problem-solving skills with strengths in Data Acquisition, Manipulation, Cleaning, Analysis and Presentation of Results • Ability to interpret complex data, identify trends, and evaluate potential risks • Proficiency in Microsoft Office (Word, Excel, PowerPoint) • Basic understanding of credit risk concepts Added Bonus If You Have (Preferred) • Master’s degree in Business, Finance, Accounting, Economics • Auto Finance or Banking experience • Certification in Tableau or Power BI