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 diverse, 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.

Primary Job Accountabilities

Dealer Lending Credit Transactions Management

Manage negotiations, compile documentation and analyze all new credit requests, renewals, and modifications in a timely manner ensuring package completeness.Review credit requests, analyze detailed financial and non-financial information, and prepare a comprehensive credit package for presentation to the appropriate credit authority for decision.Demonstrate ability to clearly and concisely present the request and risks associated with each credit package, including recommendations on the amount, credit structure and any conditions for approval.Build a strong working relationship with the Sales Team, Lead Agents, Legal as well as Borrowers.Build well-structured commercial loans, including cash flow analysis, industry standard financial ratios/covenants, and establishing loan collateralization.Review 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.Monitor and track existing transactions to ascertain renewals are handled appropriately and avoiding reaching its maturity date.Anticipate dealer group deterioration by timely and effectively reviewing updated financial information.Monitor and document risk grade changes.  Recommends upgrades/downgrades with the appropriate rationale.Present dealer’s recommended structure proposal to the corresponding forum (i.e. ERMC).

Portfolio Monitoring

Monitor existing portfolio performance, such as: audit results, updated financial statements, special unforeseen events, etc.Anticipate risks before they arise by submitting periodical reports to Management.Drive presentation of Key Performance Indicators (“KPIs”) to the ERMC, at least quarterly.Assess overdrafts documenting reasoning behind the overline while establishing clear timeframe to cover.

Policies and Procedures Maintenance

Review policies on an annual basis to ascertain compliance with TFSC (“Toyota Financial Services Corporation”), AOR, TCPR and TMCC (“Toyota Motor Credit Corporation”).Update procedure manual as required or when process changed.If required, perform testing and documentation of controls.

Portfolio Management & Risk Operations

Manage and coordinate review of the documentation, closing, and funding process for all assigned accounts to ensure a smooth process with a high level of customer satisfaction.Must have the ability to review and analyze appraisals, ALTA Surveys, environmental assessments, title documentation, and other relevant agreements to effectively document each transaction to minimize the risk of loss for TFS.Ability to communicate at all levels of management and ability to build and maintain good working relationships with both internal and external customers and support departments.Ability to evaluate covenant compliance and borrowing base certificates to validate accuracy of information.Manage and coordinate all insurance requirements between TMCC and borrower.Support to reach satisfactory audit ratings.Manage and respond audit requirements in conjunction with the legal and compliance unit.Review and challenge findings to accurately respond or accept the observations.Establish action plans, if needed.Follow up action plans to ascertain compliance.

Knowledge and Skills

Education

Required

Four-Year College Degree (BA or BS): BA in Accounting, Finance, Operational Management related fields

Preferred

Advanced Degree. Specify:  Master’s degree

Experience – Subject Matter Expertise

Required

5-10 years of relevant / progressive work experience (in similar field and/or industry)

Preferred

10+ years of relevant / progressive work experience (in similar field and/or industry)

Licenses, Certifications & Specialized Skills (if applicable)

Required

Commercial lending experience in the financial services industryFinancial services, banking, or automotive industry experienceStrong oral and written communication skills in English and SpanishHigh degree of organization skills with the ability to work in a deadline-driven environmentProficiency with MS Office:  Excel, Word, PowerPoint, SharePoint, Power BIKnowledge and understanding of portfolio managementHigh level knowledge of financial analysis; being able to clearly detect or anticipate borrower financial weakness.

Preferred

Commercial appraisal analysisComprehensive project management knowledge

Additional Comments, Including Unique Circumstances

Travel required up to 20% of the time. This position travels to Toyota Financial Services Headquarters in Plano, Texas several times per year.

Work schedule:  Monday-Friday from 8:00 am to 5:00 pm. In some instances, working overtime and during holidays is required.

This position is based out of San Juan, Puerto Rico. This position does not offer relocation assistance.

Belonging at Toyota

Our success begins and ends with our people. We embrace diverse perspectives and value unique human experiences. Respect for all is our North Star. Toyota is proud to have 10+ different Business Partnering Groups across 100 different North American chapter locations that support team members’ efforts to dream, do and grow without questioning that they belong. As a company that has been one of DiversityInc’s Top 50 Companies for Diversity and a member of The Billion Dollar Roundtable supporting minority and woman-owned suppliers for over 10 years, we are proud to be an equal opportunity employer that celebrates the diversity of the communities where we live and do business.

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 tcpr_human_resources@toyota.com.