At a Glance
- Tasks: Support responsible lending decisions through financial analysis and stakeholder collaboration.
- Company: Join Toyota Financial Services, a leader in the automotive finance industry.
- Benefits: Enjoy hybrid working, generous leave, and excellent pension contributions.
- Other info: Dynamic team culture with opportunities for personal development and fun events.
- Why this job: Make a real impact on corporate credit while developing your analytical skills.
- Qualifications: Experience in financial analysis and underwriting for corporate customers is essential.
The predicted salary is between 54000 - 66000 £ per year.
Description
Toyota Financial Services UK are looking for an experienced Corporate Credit Analyst, joining us in a 12-month fixed term contract.
The role in a nutshell
This is an opportunity to play a key role in supporting responsible lending decisions across TFSUK, KINTO and the One Toyota Fleet Team.
You will combine financial analysis, underwriting judgement and stakeholder collaboration to help protect the business, support our customers and dealer partners, and contribute to continuous improvement across Corporate Credit.
About the ‘Department’
The Corporate Credit team completes financial analysis, recommendations and underwriting for funding requests from £250k to £250m for Fleet & Wholesale customers and dealerships.
The team plays a key role in supporting quality lending decisions, managing credit risk and enabling sustainable growth across TFSUK, KINTO and One Toyota portfolios.
What you’ll be doing
- Provide a high standard of financial analysis preparing credit reviews and make recommendations for lending for submission and approval by relevant authorities.
- Recommend frequency of future reviews and stock audit controls through our clearly defined grading structure.
- Demonstrate knowledge and understanding when reviewing and approving underwriting submissions at the appropriate authority level.
- Manage the update of Management Information provided by Toyota and Lexus Centres, reviewing Management Information for early warning signals, risk indicators & adverse trends, utilising excel skills and escalating issues as appropriate.
- Assist in the management of credit related and underwriting policies and procedures, ensuring they are maintained and comply with SOX, Money Laundering and GDPR requirements.
- Demonstrate knowledge and understanding in matters relating to credit, financial analysis, underwriting and facility approval or financial by acting as a reference point for relevant departments and colleagues.
- Assist in managing the parameters and security of Dealer funding instruments, across various product ranges including new car funding, used car funding, current account, demonstrator facilities, term loans and mortgages.
- Take ownership and responsibility for ensuring performance against published service standards.
Requirements
Key Experience & Skills
- Previous experience of financial analysis and underwriting for corporate customers.
- Ability to analyse data, identify trends and draw clear conclusions.
- Good understanding of Microsoft Office products, specifically Excel, including VLOOKUPs, XLOOKUPs, pivot tables and macros.
- Basic Power Point and Power BI skills.
- Curiosity and enthusiasm for using technology and data tools to improve analysis, identify trends and support continuous improvement.
Attributes & Behaviours
- Excellent verbal and written communication skills.
- Keen problem solver with a proactive and curious approach.
- Numerate with an aptitude for working with figures and data.
- Capable of building strong working relationships and liaising with all levels of staff, management and external customers.
- Comfortable challenging existing ways of working in a constructive way.
- Strong continuous improvement mindset, with an interest in finding smarter, simpler and more effective ways to deliver high-quality outcomes.
- Open to learning and experimenting with new tools, while applying sound judgement and appropriate governance.
Benefits
At Toyota Financial Services (TFS) it is more than just an externally bench-marked salary and bonus, we also offer:
- Hybrid working pattern is 2 days in the office and 3 days from a location of your choice.
- Access to attractive car schemes for you (& your family) for Toyota & Lexus cars
- Excellent pension scheme (up to 6% employee contribution and 15% employer contribution).
- Generous annual leave of 25 days which increases with service and holiday purchase option
- Private Medical Healthcare (single, partner/spouse and dependent children) with Digital GP Service
- Group Income Protection cover with Aviva including physical, mental, and financial wellbeing services
- Employee Assistance Program
- Eye tests
- Onsite gym, Sports and Social Club, & flu jabs to keep you healthy
- Wellbeing hour each month and many more initiatives throughout the year to encourage a healthy mind and body, and to raise awareness and celebrate diversity, equity and inclusion.
- Dress for your day policy to make you feel comfortable at work
- Eco HQ, free parking & restaurant
- Two volunteering days per year
- Reward gateway voucher discounts
- Flexible working scheme and we welcome flexible working conversations at interview
- Regular 121s with your manager, a personal development review (PReview) each quarter
- A wide range of learning & development opportunities including Linked In Learning courses
- £250 contribution towards you learning something new outside of work
- Annual events (e. g., summer party, BBQ & Xmas party) including Countdown to Christmas events every December - it is so much fun!
- Our Recruitment Process
At Toyota Financial Services (TFS) we value everyone and are pleased to be recognised as a Disability Confident Employer.
We are committed to supporting disabled applicants throughout the recruitment process.
Should you meet the minimum criteria for this role and wish to apply under the DC scheme, you may be moved forward to the next stage.
Please ensure to add this information into your application.
When it comes to recruitment, please do let us know if we can adjust our process to be meet your accessibility needs.
Some examples of how we might be able to help are listed below
- Providing a copy of interview questions before the interview
- Organising a time and location that best suits you
- Allowing additional time for the assessment and interview
We are happy to review any adjustment on a case-by-case basis to support you to be your best self.
Corporate Credit Analyst in Epsom employer: Toyota Financial Services, KINTO and KINTO JOIN
Toyota Financial Services UK is an exceptional employer, offering a dynamic work environment that fosters collaboration and continuous improvement. With a strong focus on employee wellbeing, the company provides generous benefits including hybrid working options, a robust pension scheme, and extensive learning opportunities, all while promoting a culture of diversity and inclusion. Located in an eco-friendly headquarters with excellent facilities, employees enjoy a supportive atmosphere that encourages personal and professional growth.
Contact Details:
Toyota Financial Services, KINTO and KINTO JOIN Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Corporate Credit Analyst in Epsom
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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We think you need these skills to ace Corporate Credit Analyst in Epsom
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Toyota Financial Services, KINTO and KINTO JOIN.
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Research and Reflect:Before hitting that 'apply' button on Toyota Financial Services, KINTO and KINTO JOIN's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Toyota Financial Services, KINTO and KINTO JOIN
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Toyota Financial Services, KINTO and KINTO JOIN.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Toyota Financial Services, KINTO and KINTO JOIN will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Toyota Financial Services, KINTO and KINTO JOIN employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
