Commercial Credit Analyst collects, reviews, and analyzes data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications. Uses multiple sources of information, including financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status. Being a Commercial Credit Analyst calculates debt-to-income (DTI) ratios to evaluate an applicant's ability to repay the loan. Prepares credit memos in a standardized format that includes key ratios, supporting information, an executive summary, and objective recommendations. Additionally, Commercial Credit Analyst presents credit reports to loan officers and loan committees. Requires a bachelor's degree. Typically reports to a supervisor or manager. The Commercial Credit Analyst work is closely managed. Works on projects/matters of limited complexity in a support role. To be a Commercial Credit Analyst typically requires 0-2 years of related experience. (Copyright 2024 Salary.com)
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.
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:
Qualifications You’ll Need:
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Our Core Performance Competencies
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Toyota Industries Commercial Finance is an equal opportunity employer.