Lending Analyst Job in Melbourne

**Responsibilities**:

- Toyota Finance Australia (TFA) is the country’s largest automotive financier. Our past gives us credibility and knowledge. But it’s what the future holds, and how we can make the world a better place, that excites us. It’s not just about technology but what it can do for people.
- In Australia there are two separate businesses; Toyota Motor Corporation (TMCA) and Toyota Finance Australia (TFA). While we work closely together, TMCA focuses on vehicles and here at Toyota Finance Australia our priority is to provide finance, insurance and fleet management.
- TFA is a place where difference is celebrated. We strive to create a workplace that not only gives equal opportunities to people of all backgrounds and abilities but supports them to reach their full potential.
- We're working towards a future where we look out for each other and our planet. Where we enrich lives with the safest and most responsible ways of moving. This is the kind of tomorrow we're imagining here at TFA.
- But enough about us..**What’s in it for you**
- Flexible work arrangements
- Access to lease a brand-new Toyota, at a discounted monthly amount, this includes all on-road costs and insurance, more importantly you can switch to a new model every 11 months
- Access to discounted vehicle purchases for you and your family
- Generous once-off payment to set up your home office
- We commit to your development through professional development programs, paid study leave and study assistance, access to Australian Institute of Management courses, secondments, job rotations and more.
- Discounted private health insurance
- 24-hour a day Employee Assistance and Mental Health Program for you and your family
- State based social clubs that run events like Winter Gala Ball, barefoot bowls, cheap movie tickets and family fun events
- We want you to be you, so we encourage you to dress for your day when you are in the office
- Speaking of offices, ours won’t disappoint Enjoy state of the art facilities that provide space to collaborate and engage with your peers. We have sparkling water on tap and ten blends of coffee to choose from, and if you are looking for something a bit different you can play table tennis, PlayStation or just relax as you enjoy your break time
- Annual salary review, salary benchmarking completed every year and a generous bonus structure for eligible staff.

**About the Role**

***
We are looking for multiple Credit Lending Analysts with exceptional people skills for a Full time, Permanent contract. Our Lending department is based in our modern campus style Operations Centre in Caribbean Park, Scoresby which is open 7 days a week from 6am to 11pm. Here you’ll enjoy a campus-style hybrid/agile working environment surrounded by natural green spaces with a gym, café, and plenty of free parking on campus. We offer a hybrid way of working where we enjoy 2 days per week in the office to catch up with our team and also for other reasons where it makes sense to be face-to-face such as for training and other special occasions.**Your usual day will include**:

- Exercise a Delegated Lending Authority to maximise lending outcomes in line with regulatory guidelines & TFA risk appetite.
- To build, manage and strengthen relationships with our dealer network.
- To understand and adhere to TFA zero tolerance approach to fraud risk and compliance risk - limit fraud, credit and operational losses
- Making outbound phone calls to verify employment details and conduct credit reference checks

**To be successful in the role you will have**:

- Sound credit lending knowledge and experience (essential)
- Proven experience in credit risk assessment (holding a lending authority is preferred but not essential)
- High attention to detail and the ability to prioritise completing deadlines in a fast-paced environment (essential)
- Exceptional interpersonal skills to communicate in a clear and unambiguous manner (essential)
- Outcome orientated with a customer centric mindset (essential)
- Understanding of RG209 and the importance of responsible lending obligations desired
- Understanding and interpretation of financial statements (essential)
- Knowledge of both consumer and commercial credit fundamentals (essential)
- Must be able to work flexible shifts rostered across weekdays, weekends and non-national public holidays (essential)

**Training and Rosters**:

- **Training and induction will be delivered for several weeks (Monday to Friday business hours) after which you will go into a “nesting” period. Full attendance is required.**:

- **You must have the ability to work flexibly, we will work with you to find an appropriate roster that suits you and the business. Your full-time hours can be scheduled between**:

- **7.30am - 9pm Monday - Friday, & 7am - 6pm Saturday**

**Building a great place to work**

You're welcome to find out more by visiting our careers page**:**
- We are an equal opportunity employer. We c