Who We Are:
Based in Coppell, TX, Toyota Industries Commercial Finance (TICF) has over 200 associates and is a commercial lender for Toyota Forklifts, Hino Trucks and Toyota Advanced Logistics. Part of the global Toyota Industries Corporation family, we are included in a network of companies that manufacture and sell textile machinery, material handling equipment automobiles, and automobile parts. As a whole Toyota Industries Corporation has more than 15,000 Associates in North America and over 70,000 Associates around the globe.
Our vision at Toyota Industries Commercial Finance (TICF) is to be the financial services partner of choice to our dealers and customers by delivering innovative solutions that support the sustainable growth of our partners. We do this by engaging diverse talent and passion of people who are committed to helping carry the load, contribute to society, and strive for continuous improvement.
Why Work At Toyota:
Whether you are starting out in your career or looking to make the next step, build your career on the foundation of the Toyota brand. Since 1926, Toyota has operated on the foundation of Respect for People and Continuous Improvement. At TICF, you’ll enjoy the benefits of a small company with the backing of a big-name brand. Ask Associates why they joined TICF, and you’ll hear them tell you about the Toyota culture – making sure each person we engage with feels welcomed, valued, respected, and heard. You’ll hear about an accessible leadership team who listens to Associate concerns and values open communication., You’ll hear about a Company that sticks with Associates through the highs and lows and provides stability. We are committed to our Associates and the communities we serve.
Our office is perfectly placed in Cypress Waters- the heart of the DFW metroplex. This premier campus reflects environmentally sophisticated buildings, extensive natural landscaping, pedestrian trails and streets, and lakeside restaurants. Work and discover amenities abound, such as free weekly yoga, a lunch shuttle to the restaurants, and so much more! Come check us out – life is better at Toyota!
What You’ll Get:
Competitive compensation, a company-wide bonus program, market leading benefit package, and joining one of the world’s most admired brands are all part of TICF’s employment value proposition.
- Choices of where you work and when you work - because we all value something different. Hybrid work schedules allow for flexibility where you work. There is required collaboration in office on Tuesdays and Wednesdays, but the flexibility to work from home the rest of the week. A unique 9/80 work schedule gives you the flexibility when you work. Choose from alternating Fridays off or consider the Choice schedule which allows you a fixed morning or afternoon off each week.
- A Personalized Ride. Design and order your own personal Toyota or Lexus leased vehicle through TICF’s Associate Lease Program which includes all insurance, maintenance, and registration costs plus easy payroll deduction. Prefer to own your car? You can also purchase a Toyota or Lexus vehicle on terms available exclusively to Toyota Associates and eligible family members.
- Time Away. In addition to vacation time, TICF also offers paid personal and sick time, as well as 14 paid company holidays - including a paid yearend shutdown period for most departments. Plus, the ability to rollover unused time.
- Education Assistance. Are you weighed down by student debt? TICF will pay $200 per month up to a total of $20,000 to assist you with repaying your student loans. Interested in furthering your education – TICF will pay up to $5,250 toward your ongoing education in addition to company sponsored training.
- Comprehensive Care. We know you need great insurance to care for yourself and your family. TICF offers a low cost, low deductible PPO plan as well as a CDHP plan with employer contributions to your Health Savings Account. With an expansive Blue Cross Blue Shield network, you can get the care you need when you need it. Affordable dental and vision, along with an array of flexible spending accounts gives you the ability to pick and choose what works for your care.
- The Support You Need. Advocacy and an employee assistance program makes sure you have the support you need when issues arise. No cost short term disability, long term disability, and 2x annual salary life insurance/AD&D protects you when the unexpected occurs.
- Retirement Readiness. You can immediately participate in our 401(k) program through Fidelity Investments with a company match of 66 2/3% up to 6% and the flexibility of pre-tax, Roth and after-tax contributions.
- A Family Focused Culture. Four weeks of paid parental bonding leave, plus paid maternity leave and adoption assistance.
- Community Involvement. Eight hours of paid time to volunteer at one of TICF’s community partners.
About The Job:
The Credit Analyst is responsible for underwriting small, medium and large ticket commercial loans and lease transactions for material handling and commercial truck products.
What You’ll Do:
- Analyze and decision retail/lease offerings within analyst's approval limits. Approval authority of $500K. Make recommendations to management based on credit strength and risk analysis of applicant while:
- Interpreting business and personal credit reports
- Analyzing personal and corporate tax returns
- Analyzing corporate financial statements
- Preparing concise written summary to support underwriting decision
- Preparing written credit package for line of credit requests
- Restructuring deals to assist customers with cash flow challenges
- Assist dealers with quoting and developing competitive financing structures and provide the highest level of service by maintaining turnaround at or above scorecard objectives
- Communicate with dealerships on a daily basis while explaining credit decisions with sufficient information, consistency in purchase policy and quality must be present on every credit decision.
- Collaboratively work with Sales & Marketing department in order to identify new business opportunities and to develop customer loyalty.
- Work flexible schedules and occasional weekend hours.
Qualifications You’ll Need:
Must Have:
Required experience.
- Minimum 3 years of retail, consumer, asset based lending or commercial financing experience required. Captive finance and automotive credit analyst experience is preferred.
- Experience in underwriting various type or size of businesses
- Good verbal and written communication skills
- Strong attention to detail and organization skills required
- Ability to work independently in a fast-paced work environment under pressure to meet both internal and external deadlines
- Ability to precisely present reasoning for credit recommendation to management
- Ability to work as a team and build collaborative relationship with partnering departments in the organization.
- Strong work-ethic and ability to work flexible hours
- Industry knowledge for material handling equipment and/or commercial truck financing/leasing knowledge desirable
Required Education
- A./B.S. degree in Finance, Accounting or other Business related discipline
Great to Have:
- Experience performing in-depth financial statement analysis for various type or size of businesses
- Knowledge of T-Value
Our Core Performance Competencies
- Customer First
- One TICF
- Mindset of Continuous Improvement
- Demonstrate Inclusive Behaviors
- Learn, Grow, Develop
Learn more about Toyota Industries Commercial Finance at:
- Our website: toyotacf.com
- LinkedIn: Toyota Industries Commercial Finance: My Company | LinkedIn
Toyota Industries Commercial Finance is an equal opportunity employer.