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 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 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. Toyota does not offer support or sponsorship of job applicants for employment-based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration-related employment (e.g., H-1B, O-1, E-3, H-1B1, TN, F-1 OPT, F-1 STEM OPT, F-1 CPT, ‘job flexibility benefits’ [also known as I-140 or Adjustment of Status portability], etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future. Who we’re looking for Toyota’s Dealer Lending Department is looking for a passionate and highly motivated Senior Commercial Underwriter. The primary responsibility of this role is to underwrite complex dealer credit packages for Toyota, Lexus, and Mazda dealers across the country by evaluating multiple packages a month with loan requests ranging from $1 million - $500 million. These loan requests include floorplan lines of credit, real estate loans, working capital loans, and revolving lines of credit. Reporting to the Dealer Lending Manager, the person in this role will support the Dealer Lending Department’s objective to maintain the portfolio of loans. What you’ll be doing Perform financial analysis based on company prepared financial statements, tax returns, and CPA reviewed/audited financial statements to determine the Borrower’s liquidity, leverage, and capitalization.  Complete bank statement, GL Trial Balance, and tax return reconciliations to financial statements provided. Provide cash flow analyses for all proposed loans. Evaluate, assess, and determine the risk associated with all credit requests and provide the approval authority with appropriate information to support conclusions. Evaluate the risk to TFS based on a careful analysis of all financial information, security for proposed loans, and proposed corporate/personal guarantees.  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 potential problem areas. Review and analyze documentation related to loan approvals. Review can include buy/sell agreements, LLCs, partnerships, and real estate documentation as well as standard documentation required for new wholesale relationships. Consult with Toyota Financial Services (TFS)/Mazda Financial Services (MFS) Legal to determine any needed correction or modification to documents or approvals to ensure TFS risk management goals.  Participate in TFS/Private Label Group internal projects relating to system enhancement and process improvements. Prepare ad hoc reports per request from upper management and work with cross-departmental teams. Mentor and develop junior analysts, fostering a culture of accuracy, continuous improvement, and professional growth within the team. Complete peer reviews of outputs to ensure accuracy and completeness in addition to providing constructive feedback. Lead complex credit analyses and risk assessments for high-value dealer lending portfolios, providing expert guidance and final recommendations to management. Ad hoc activities including, drive cross-departmental initiatives to enhance lending processes, systems, and compliance standards, ensuring alignment with organizational risk management objectives. Lead Kaizen efforts by establishing best practices to maintain high standards of accuracy and compliance. What you bring Bachelor’s degree in Finance, Accounting, or related discipline or equivalent working experience. 5+ years’ experience in financial analysis of commercial loan underwriting, including complex organizational structures, cash flow analysis, industry-standard financial ratios/covenants, and establishing loan collateralization.  Experience presenting complex financial information and credit structure to a credit approval authority. Experience reviewing financial information in conjunction with policies and procedures to identify key credit risks and deviations from operational standards in order to make suggestions to mitigate credit and operational risk. Experience leading department projects and initiatives effectively and efficiently while managing workload of package underwriting. Knowledge of MS Office Suite (Word, Excel, PowerPoint, Outlook). Added bonus if you have Demonstrated proficiency using Crowe Navigator, or similar financial analysis program. Experience in underwriting expertise with automotive dealer borrowers. What we'll 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 (if applicable) 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. 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]. At Toyota, we don’t just have a vision, but a group of talented, dedicated people who work hard every day to turn that vision into reality. Our mission is to build a future where everyone has the freedom to move. We believe that nothing is impossible. We have big dreams and persevere through any obstacles. We work together to create the future of mobility and make the world a better place. Career Possibilities: Toyota is a place for people who dream big and are determined to make those dreams a reality. We encourage innovation and look for people who will challenge the status quo in order to make the world a better place. We thrive on teamwork and collaboration and know diverse backgrounds, experiences and perspectives are not only the right thing for our people, they are a business imperative. Together, we’re empowered to forge our own paths — to be agile, curious and embrace a growth mindset and immerse ourselves in situations to gain new perspectives and to inspire bold, innovative ways of thinking and working. Our success as a company is directly tied to our team members’ success, and our collective ability to give back to society through an unwavering commitment to delight our customers and make people’s lives better. If you want to be part of the next-generation of innovations that help keep the world moving, then join us. And let’s start our impossible, together.

Senior Commercial Underwriter.

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