Senior CRA and Fair Lending Analyst

Overview

Who we are

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, ‘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 Financial Services Compliance Department is looking for a passionate and highly motivated Senior CRA and Fair Lending Analyst.

The primary responsibility of this role is to ensure the Bank remains compliant with regulatory requirements by monitoring, analyzing, and documenting Community Reinvestment Act (CRA) and fair lending activities.

Reporting to the Toyota Financial Savings Bank CRA & Fair Lending Officer, the person in this role will support the Compliance Department's objective to maintain an effective compliance oversight framework that upholds our commitment to fair and equitable lending practices.

What you’ll be doing

In this role, you will be at the heart of our compliance efforts, turning complex data into actionable insights that help us serve our communities effectively. Success means you are a proactive problem-solver who ensures our records are audit-ready, and our lending strategies are aligned with our regulatory obligations.

• Drive compliance excellence by analyzing CRA and fair lending data to identify trends, gaps, and potential concerns that shape risk awareness and decision-making.
• Maintain accurate records of CRA service hours, investments, and lending activities so the organization stays aligned with institutional obligations.
• Perform quarterly analysis of the retail lending portfolio to help ensure lending activity meets CRA standards.
• Partner with TMCC to review fair lending monitoring results and coordinate timely follow-up that supports effective resolution.
• Compile and document critical compliance reports so management stays informed and the organization is prepared for regulatory exams.
• Support the CRA & Fair Lending Officer with monitoring, research, and special projects that expand your expertise in banking laws and regulations.

What you bring

• BA or BS degree or equivalent work experience.
• 3+ years of experience in a similar field or industry demonstrating analytical and compliance skills.

• Working knowledge of the Community Reinvestment Act (CRA) and Fair Lending regulations.

• Experience working in a regulated entity, with a solid understanding of compliance expectations.
• Strong organizational and analytical skills, with experience reviewing, interpreting, and tracking complex data, preparing reports, and supporting regulatory compliance initiatives with high accuracy.
• The ability to communicate and collaborate effectively across multiple business units while also working independently.
• Strong attention to detail and the ability to manage multiple priorities and deadlines in a fast-paced environment.

Added bonus if you have

• Compliance certification such as CCEP, CCCCP, CRCM, or CAMS.
• Experience working with Kadince software.
• Advanced Microsoft Excel skills.

What we’ll bring

During your interview process, our team can fill you in on all the details of our industry-leading benefits and career development opportunities. A few highlights include:

• A work environment built on teamwork, flexibility, and respect·       Professional growth and development programs to help advance your career, as well as tuition reimbursement
• Team Member Vehicle Purchase Discount
• Toyota Team Member Lease Vehicle Program (if applicable)
• Comprehensive health care and wellness plans for your entire family
• Toyota 401(k) Savings Plan featuring a company match, as well as an annual retirement contribution from Toyota regardless of whether you contribute (if applicable)
• Paid holidays and paid time off
• Referral services related to prenatal services, adoption, childcare, schools and more
• Tax Advantaged Accounts (Health Savings Account, Health Care FSA, Dependent Care FSA)
• Relocation assistance (if applicable)

Belonging at Toyota

Our success begins and ends with our people. We embrace all perspectives and value unique human experiences. Respect for all is our North Star.

Applicants for our positions are considered without regard to race, ethnicity, national origin, sex, sexual orientation, gender identity or expression, age, disability, religion, military or veteran status, or any other characteristics protected by law.

Have a question, need assistance with your application or do you require any special accommodations? Please send an email to [email protected].