Commercial Credit Risk Oversight Analyst

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 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, TN, (job flexibility benefits) (also known as I-140 or Adjustment of Status portability), etc.) now or in the future. You should not apply for this role if you will require Toyota to assist with immigration support or sponsorship now or in the future. Who we’re looking for Toyota’s Risk Department is looking for a passionate and highly motivated Commercial Credit Risk Oversight Analyst . 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). Reporting to the Commercial Credit Risk Oversight Manager, the person in this role will support the objective to standardize and modernize processes, monitor portfolio-level risk, and ensure compliance across the commercial portfolio through cross-functional partnership with Underwriting, Sales, Credit Review, Audit, Operations, Legal, and Compliance. What you’ll be doing 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. What you bring Bachelor's degree in Finance, Accounting, Economics, Data Analytics, Business Administration, or related field or equivalent work experience to include 1+ years of internships 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 (i.e. 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 verbal communication skills, including the ability to prepare reports, presentations, and policy documentation for leadership and cross-functional stakeholders across Legal, Commercial Services, Audit, and Compliance. Strong analytical and organizational skills with the ability to manage multiple priorities, work independently, and collaborate across business units in a fast-paced, multi-entity environment Added bonus if you have Master’s degree in Finance, Risk Management, Business Administration, or a related field. Direct experience responding to or preparing for regulatory examinations, including remediation of findings and management of audit and compliance deliverables. 3+ years of experience in commercial credit analysis, credit risk, underwriting, or regulatory compliance. 3+ years of experience at a captive auto finance company or banking institution with direct exposure to wholesale commercial credit portfolios, including underwriting, portfolio management, or management of high-risk commercial accounts. Prior experience working in a dual-entity or multi-charter banking environment with exposure to underwriting and documentation standardization ac