Senior Commercial Credit Risk Analyst

Toyota Finance Australia (TFA) is seeking a Senior Commercial Credit Risk Analyst to join its Commercial Credit Risk team on a permanent, full-time basis.

In this role, you will play a key part in safeguarding TFA’s asset quality and profitability as a specialist second-line Risk professional. You will drive sound credit decision-making through robust financial analysis, risk assessment, and adherence to responsible lending standards, while enabling sustainable growth across dealer and fleet customer segments.

The position also provides expert advice to key stakeholders on a broad range of commercial credit transactions and promotes consistency in credit risk standards across the portfolio.

This role is based at Scoresby with flexible working arrangements on offer.

How you’ll make an impact

• Assess and review dealer and fleet credit applications, delivering expert insights and well-reasoned recommendations grounded in strong credit principles and commercial judgement.

• Exercise dual risk approval within Delegated Lending Authority (DLA) and prepare clear, concise credit submissions for escalation to higher DLA levels, including executive management.

• Maintain compliance with credit policies and TFA’s risk appetite by monitoring exposures, identifying emerging risks, and escalating concerns as appropriate.

• Support and enhance the Commercial Credit quality assurance framework by reviewing and improving processes, while analysing and reporting on portfolio performance and credit quality, and providing actionable insights to strengthen policy settings and operational effectiveness.

• Contribute to system enhancements and change initiatives impacting commercial credit risk, ensuring risks are effectively identified, assessed, and mitigated.

Your attributes

• Tertiary qualification in finance, accounting, or a related discipline

• Extensive experience in commercial lending and/or asset finance

• Strong understanding of commercial credit risk principles

• Sound judgement with the ability to balance risk considerations and commercial outcomes

• Proven ability to influence and engage stakeholders at all levels

Life at Toyota & What we offer you

We pride ourselves on a work culture that supports and rewards people. From development programs to recognition programs, we make sure everyone at Toyota Finance Australia lives their best possible life. After all, our people are our greatest assets.

Toyota Australia is well-recognised for offering:

• Flexible hours and workspaces

• Career Development

• 26 weeks paid primary carers leave & 8 weeks paid parental leave for secondary carers

• Wellness facilities & Employee Assistance Program (private coaching available to you and your family)

• Paid volunteer days to support your community / Employee Community Grants Fund

• Employee Car Benefit Scheme

Building a great place to work

You're welcome to find out more by visiting our careers page: https://tfacareers.com.au/

We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

We are happy to adjust the recruitment process for your accessibility requirements. Please contact us and let us know your preferred type of communication and we will be in touch as soon as possible to discuss your requirements.
  
Toyota is an endorsed employer for all women.  Please review the Work180 website for further information.

Come with us and help create the future