COMMERCIAL CREDIT INVESTIGATOR (Temporary)

Job Description

COMMERCIAL CREDIT INVESTIGATOR (Temporary)

About the Job:

The Commercial Credit Investigator (temporary, with potential for full-time conversion) is responsible for underwriting small and medium ticket commercial loans and lease transactions for material handling and commercial truck products. The role primarily provides first level credit investigation and has credit approval authority to make credit decisions on less complex credit requests. The role provides administrative and analytical support to the Credit Analysts and will perform functions in investigating credit requests.

What You'll Do:

• Identify and research system and customer information to accurately identify customer profile and existing accounts and prepare requests for Credit decisioning.
• Serve as a primary liaison between TICF and dealerships across United States in order to coordinate accurate completion of credit requests.
• Analyze and decision retail and lease offerings within approval limits.
• Work with speed and accuracy. Assist dealers with processing credit requests and provide the highest level of service by maintaining timely turnaround at or better than scorecard objectives
• Build Partnerships. Communicate and negotiate with dealerships daily to present competitive credit decisions based on sound rationale.
• Collaborate with Credit Analysts to ensure efficient and accurate credit decisioning.
• Collaborate with Funding staff to resolve discrepancies and assist in timely funding of contracts.

Qualifications You'll Need:

Must Have:

• Excellent verbal and written communication skills
• Ability to negotiate with confidence in a positive manner.
• Ability to precisely present reasoning for credit recommendation
• Strong attention to detail and organization skills required.
• Ability to work independently in a fast-paced work environment under pressure to meet both internal and external deadlines.
• Ability to work as a team and build collaborative relationships with partnering departments in the organization as well as with our dealers and customers.
• Strong work ethic and ability to work flexible hours.
• Knowledge of Microsoft Office applications.

Great to Have:

• A. or B.S. degree in Finance, Accounting, or other Business-related discipline. This may be an entry level position for recent college graduate however will consider combination of some college and experience in related position as an offset for degree requirement.

• Experience working in commercial credit processing and decision making.
• Prior experience working for a captive lender, finance company or bank.
• Industry knowledge for material handling equipment and/or commercial truck financing/leasing knowledge desirable
• Experience working with dealerships in Commercial Equipment, Commercial Truck or Automotive industry.

Job Competencies

• Customer First: Demonstrate a consistent passion to exceed internal and external customer expectations. Focus on creating an exceptional customer experience.
• One TICF: Foster a One TICF mindset. Operate with a broad view of the organization, understanding how your role impacts others within the organization. Collaborate and effectively communicate within teams, cross functionally, presenting a One TICF experience for dealers and customers. Support the company Hoshin and Vision.
• Mindset of Continuous Improvement: Challenge self and others to continuously look for ways to improve TICF business processes and deliver value to the customer. Identify problems, remove inefficiencies, innovate, and challenge the status quo. Apply a Kaizen (continuous improvement) mindset in day-to-day tasks and projects - big or small.
• Demonstrate Inclusive Behaviors: Foster an inclusive environment where everyone can thrive and feels welcomed, valued, respected, and heard. Be curious, listen to, understand, and capitalize on diverse perspectives. Show gratitude and consistently demonstrate respect for people.
• Learn, Grow, Develop: Continuous improvement of yourself and others. Ask for and give constructive feedback. Invest in your growth and development by taking on challenging assignments and applying learned concepts.

Toyota Industries Commercial Finance is an equal opportunity employer.