Sanderson
Corporate Credit Analyst
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Role Overview
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.
How you could stretch this role
- Question and challenge how things are done to initiate improvements in business operations.
- Make the most of opportunities to support other areas of the One Toyota network, improving knowledge and understanding across the business.
- Bring fresh ideas and make recommendations for change.
- Show a strong interest in continuous improvement, actively identifying opportunities to simplify processes, improve efficiency and enhance the quality of credit outputs.
- Explore how data and automation can be used responsibly to improve insight, reduce manual activity and support better decision-making across Corporate Credit.
- Shadow the Corporate Credit Team Manager in Network/Fleet and Mazda Risk meetings, documenting and distributing minutes.
- Actively engage in the exchange of best practice within the team, promoting Toyota Way competencies and Kaizen activity.
- Get involved in ad-hoc projects and wider business initiatives.
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Experience you’ll gain
- Ability to work independently and as part of a team, while collaborating with other business units including TGB and KINTO, as well as external stakeholders and customers.
- Development of soft skills for effective stakeholder communication, including conflict resolution and negotiation skills.
- Building key transferrable skills that will support future career development.
- Developing hands-on experience in corporate credit analysis, underwriting and risk assessment.
- Building experience across a broad range of lending proposals, customer types and stakeholder groups, giving exposure to both operational and strategic credit risk management.
- Developing time management skills required to complete work within agreed timeframes.
- Flexible and agile working methods.
- Opportunity to progress through underwriting authority levels as your knowledge and confidence grow.
How we’ll support you
- A full Toyota Financial Services induction
- Provide a great learning opportunity to develop the core skills required to excel in the role.
- Give you the space and opportunity to be your whole self at work.
- Foster a learning culture, providing you with clear and constructive feedback, and encouraging you to do the same.
As a manager:
- Regular 1:1’s to provide direction and guidance
- Clear objective setting via our performance management process
- On-going coaching as required.
- Always available for support as needed.
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.
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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 PowerPoint 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.
Why join us?
You will join a supportive and knowledgeable team where your analysis, judgement and ideas will make a real impact. This role offers the opportunity to develop technical credit expertise, build strong stakeholder relationships and contribute to meaningful improvements in how we work. If you enjoy problem solving, continuous improvement and exploring how data and AI can support smarter decision-making, this is a great opportunity to grow your career in Corporate Credit.
In line with our Talent Enablement culture, we will give you ownership and encouragement to deliver outcomes that lie outside of the remit of this Job Profile. We do this to give you additional experience to stretch and develop you within your role, empowering you to be the best you can be and to facilitate other progression opportunities within the business.
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