Commercial Credit Analyst jobs in Texas

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:

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:

• Conduct Annual Commercial Credit Reviews and quarterly monitoring of assigned portfolio.
• Underwrite new dealers, dealer acquisitions, new business lines and make effective recommendations to department manager, director, and credit committee.
• Perform commercial credit financial ratio analysis of annual and quarterly financial statements.
• Prepare periodic quality Credit Memos for new credit facilities or changes to existing credit lines.
• 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 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.

Qualifications You’ll Need:

Must Have:

• 1- 2 years of commercial credit financing experience from a commercial banking organization or other commercial lending institution.
• Understanding of documentation requirements for commercial credit facilities.
• Experience with financial statement analysis, underwriting and strong analytical skills.
• Detail oriented and high organizational skills
• A working knowledge of the Microsoft Office package including Word, PowerPoint, and Excel
• BS. or B.A. degree preferred in Finance/Accounting or Business Administration or related experience

Great to Have:

• Commercial Credit Training Program preferred
• Customer relationship management experience a plus
• Knowledge of inventory audit process a plus
• Experience with DataScan Wholesale Intelligence System or an inventory management and commercial lending system, general lending technology preferred.
• Familiarity with T-Value applications or other similar financial calculation software

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.