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- Tasks: Lead corporate credit underwriting and manage funding teams for major clients.
- Company: Join Toyota Financial Services, a leader in automotive finance with a commitment to innovation.
- Benefits: Enjoy hybrid working, generous leave, private healthcare, and a vibrant workplace culture.
- Why this job: Make impactful lending decisions while building relationships in a supportive environment.
- Qualifications: Experience in financial analysis and corporate accounts is essential; Excel skills are a must.
- Other info: Flexible working options and a focus on diversity and inclusion make this role unique.
The predicted salary is between 48000 - 84000 £ per year.
The role in a nutshell: Management of the corporate credit underwriting and wholesale administration teams. Providing detailed financial analysis, recommendations and underwriting services in relation to lending for our corporate customers and dealer partners for TFSUK, Mazda, Kinto and One Toyota Fleet Team.
A bit about the ‘Department\’: The Corporate Credit team compete analysis, recommendation and underwriting for lending of funding requests ranging from £125k to £250m for submission to our UK Underwriters and European Credit Committee. Whilst the Wholesale administration team manage the day-to-day funding requirements for our Dealer Partners.
What you\’ll be doing:
- Carry out regular reviews with the Corporate Credit and Wholesale Funding team identifying performance shortfalls and implementing remedial actions
- Exercise an appropriate Centre, Fleet Customer and Kinto underwriting authority in line with the UK POD
- Work with senior management teams from the Dealer Network to develop relationships and funding solutions
- To deputise for the Senior Manager Corporate Credit & Operational Services as required and act responsibly in all matters
- Oversee performance against published service standards in terms of response times and other commitments, monitoring Department SLA\’s and job lists
- Oversee the management of the administration of wholesale stocking facilities; Schemes, Plans and Credit Lines and interest rate controls
- Manage the administration for new Dealer proposals / credit line increases including acquisitions / take overs etc
- Management of the administration of critical risk situations, rejected payments, cash trading, receivership, liquidation or bankruptcy and the closure of Dealerships, assisting with repossession and accounting for assets.
- Manage all legal matters relating to debentures, securities, mortgages, acquisitions, and sales with the centre and fleet network
- Operate within the UK product approval matrix, requesting new products where required
- Ensure all loading of vehicles, system amendments and monitoring of over-line situations are handled appropriately and in-line with the company\’s Hoshin and/or in support of MNSC
- Management as appropriate of tasks associated with SOX compliance, audit
What you\’ll get to own:
- Recommendations for lending, security and LTV\’s across TFS, Kinto and One Toyota Fleet team reviews
- You will see improvements through to the end with ongoing follow-up and confirmation that the business has actioned agreed plans
- Distribution of meeting minutes and recommendations from Network/ Fleet and Mazda Risk Committee meetings
- Building and owning relationships with staff members from other teams that you can use to effectively perform your work
Requirements
Key Experience & Skills:
- Previous experience of interpreting corporate accounts, performing financial analysis and underwriting of corporate customers.
- Ability to analyse data and identify trends
- Good understanding of Microsoft Office products, specifically Excel (v-lookups, x-lookups, pivot tables, macros)
- Basic PowerPoint and Power BI skills.
Attributes & Behaviours:
- Excellent verbal and written communication skills
- Keen problem solver
- Numerate with an aptitude of working with figures/data
- Capable of building strong working relationships and liaising with all levels of staff/management and external customers
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. #J-18808-Ljbffr
Corporate Credit Manager employer: Toyota Financial Services (UK) PLC
Contact Detail:
Toyota Financial Services (UK) PLC Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Corporate Credit Manager
✨Tip Number 1
Familiarise yourself with the key financial metrics and trends relevant to corporate credit management. Understanding how to interpret corporate accounts and perform financial analysis will give you a significant edge in discussions during interviews.
✨Tip Number 2
Build your network within the automotive finance industry. Engaging with professionals on platforms like LinkedIn can help you gain insights into the role and potentially get referrals, which can be invaluable when applying for positions at StudySmarter.
✨Tip Number 3
Brush up on your Excel skills, especially with v-lookups, pivot tables, and macros. Being able to demonstrate your proficiency in these areas during the interview will show that you're well-prepared for the analytical aspects of the Corporate Credit Manager role.
✨Tip Number 4
Prepare to discuss your experience in managing relationships with various stakeholders. Highlighting your ability to build strong working relationships will resonate well with the team, as collaboration is key in this role.
We think you need these skills to ace Corporate Credit Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in corporate credit management, financial analysis, and underwriting. Use specific examples that demonstrate your ability to manage teams and relationships with corporate customers.
Craft a Compelling Cover Letter: In your cover letter, express your enthusiasm for the role and the company. Discuss how your skills align with the job requirements, particularly your experience with financial analysis and managing credit processes.
Highlight Key Skills: Emphasise your proficiency in Microsoft Excel and any experience with Power BI. Mention your analytical skills and ability to identify trends, as these are crucial for the Corporate Credit Manager position.
Showcase Problem-Solving Abilities: Provide examples of how you've successfully resolved issues in previous roles, especially those related to credit management or financial analysis. This will demonstrate your capability as a keen problem solver.
How to prepare for a job interview at Toyota Financial Services (UK) PLC
✨Know Your Numbers
As a Corporate Credit Manager, you'll need to demonstrate your ability to interpret corporate accounts and perform financial analysis. Brush up on your financial metrics and be prepared to discuss how you analyse data and identify trends.
✨Excel Skills are Key
Since the role requires a good understanding of Microsoft Excel, make sure you're comfortable with v-lookups, x-lookups, pivot tables, and macros. You might be asked to solve a problem or present data during the interview, so practice these skills beforehand.
✨Build Relationships
The job involves liaising with various teams and external customers. Be ready to share examples of how you've built strong working relationships in the past. Highlight your communication skills and your ability to work collaboratively.
✨Prepare for Scenario Questions
Expect questions about managing critical risk situations, such as rejected payments or bankruptcies. Prepare scenarios from your past experience where you successfully navigated similar challenges, showcasing your problem-solving abilities.
