Commercial Credit Risk Oversight Analyst

Overview

Collaborative. Respectful. A place to dream and do. These are just a few words that describe what life is like  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 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.

Toyota does not offer support or sponsorship of job applicants for employment‑based visas or any other work authorization for this role now or in the future. You must have the right to work in the United States and not require Toyota support or sponsorship for immigration‑related employment (e.g., H‑1B, O‑1, E‑3, H‑1B1, TN, F‑1 OPT, F‑1 STEM OPT, F‑1 CPT, etc.).

You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future.

The primary responsibility of this role is to support the Commercial Credit Risk Oversight function by strengthening policies and procedures related to underwriting, documentation, portfolio management, and regulatory compliance across Commercial Services, with a focus on alignment between Toyota Financial Services (TFS) and Toyota Financial Savings Bank (TFSB).

• Assist in the alignment of underwriting and credit analysis standards between TMCC and TFSB by researching best practices, drafting unified guideline recommendations, and analyzing critical underwriting metrics and risk rating methodologies to ensure portfolio credit quality aligns with the enterprise risk appetite.
• Conduct ongoing reviews of internal credit policies and procedures against evolving regulatory requirements; perform gap analyses, track compliance metrics, and maintain documentation to support full regulatory compliance and ensure the institution remains audit‑ready and operates within established risk parameters.
• Support advanced portfolio monitoring efforts by analyzing key risk indicators in the commercial portfolio, identifying early warning signs through data analytics and reporting tools, and preparing findings and recommendations for policy enhancements to minimize portfolio risk.
• Assist in enhancing underwriting and documentation processes by identifying inefficiencies, supporting the development and implementation of automated and manual controls within current systems, and contributing to efforts that streamline operations, minimize errors, and strengthen overall portfolio quality.
• Provide research, data analysis, and reporting to the Commercial Credit Risk Oversight Manager in delivering actionable recommendations and strategic guidance to internal commercial services teams, senior leadership, and regulatory bodies; collaborate cross‑functionally with Legal, Internal Audit, Credit Review, Operations and Compliance stakeholders to foster an institution‑wide culture of risk awareness.

• Bachelor’s degree in Finance, Accounting, Economics, Data Analytics, Business Administration, or related field
  * or* equivalent work experience that includes 1+ years of internships and 1+ years of experience in commercial credit analysis, credit risk, underwriting, or regulatory compliance within a banking or financial institution regulated by FDIC, OCC, or similar regulatory bodies.
• Strong understanding of commercial lending regulations, underwriting standards, risk rating methodologies, and key financial metrics (e.g., liquidity/leverage ratios, debt service coverage, loan‑to‑value, etc.).
• Proficiency in data analytics and reporting tools such as advanced Excel, SQL, Tableau, Power BI, or similar tools to perform gap analyses and audit/compliance remediation activities.
• Excellent written and…