National Manager, Commercial Credit Risk Officer

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, ‘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 National Manager, Commercial Credit Risk Management.

The primary responsibility of this role is to provide independent enterprise leadership and oversight for all commercial credit risk management activities, ensuring the integrity and accuracy of our credit portfolio.

Reporting to the Chief Risk Officer, the person in this role will support the department’s objective to drive process improvement, optimize credit risk, and provide actionable insights that enable executive leadership to make informed, timely decisions.

What you’ll be doing

In this role, you will serve as a key advisor to the Chief Risk Officer, leading a high-performing team to ensure our commercial lending functions are executed with precision and strong control discipline. Success means translating complex credit risk matters into clear strategies that protect the Bank’s portfolio while fostering a culture of continuous improvement and innovation.

- Lead and inspire a team of managers, analysts, and external partners to deliver commercial lending risk activities with accuracy, timeliness, and strong control discipline.
- Build and maintain a commercial credit risk management framework that aligns with TFSB’s size, complexity, and growth objectives.
- Drive process improvement and automation opportunities that streamline manual credit risk workflows and strengthen decision-making.
- Serve as the primary liaison for FDIC examinations, internal audits, and credit risk reviews, ensuring strong exam readiness and timely remediation.
- Strengthen cross-functional collaboration across Credit, Risk, Underwriting, Operations, Sales, and Finance to support sound credit decisions.
- Provide independent challenge and oversight across the commercial lending portfolio, including real estate, wholesale, and working capital loans.
- Lead the preparation of Executive Committee materials and Board of Directors reporting, turning complex data into clear, actionable recommendations.

What you bring

- A bachelor’s degree in Finance, Accounting, Business, Economics, Risk Management, or a related field.
- 10+ years of experience in commercial credit risk management, credit administration, or portfolio oversight, including leading teams.
- Extensive experience in underwriting, watchlist borrower management, risk ratings and risk triggers, and committee governance.
- Experience partnering directly with executive leadership, including the Chief Risk Officer and other senior stakeholders.
- Proven ability to manage complex reporting environments, control-sensitive processes, and vendor relationships.
- Strong analytical, organizational, and communication skills, with the ability to translate complex risk topics into clear, practical insights.
- Willing and able to travel up to 15% as business needs may require

Added bonus if you have

- An MBA or advanced degree in finance, risk management, or a related field.
- Commercial banking experience in the automotive or other specialty lending sectors.
- Experience with floorplan, real estate loans, and/or working capital loan products.
- A track record of improving reporting systems, automating manual processes, and strengthening governance controls.
- Experience supporting regulatory exams, audits, and board-level reporting.

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] .