Financial Analyst

We are seeking a Financial Analyst to join our Portfolio Finance team!

Southeast Toyota Finance is an automotive captive finance company which originates and services vehicle retail & lease contracts for Toyota dealers in Alabama, the Carolinas, Florida, and Georgia. The Portfolio Finance team’s main responsibilities include forecasting and analyzing portfolio profitability (retail & lease), as well as developing and executing pricing strategies.

The Portfolio Finance department’s primary responsibilities include collaborating with Southeast Toyota Distributors and our dealer partners to develop and execute pricing strategies for retail & lease products. The team also develops & monitors discounted cash flow models to forecast and analyze portfolio profitability trends, making recommendations to adjust model assumptions and/or strategies when necessary. In doing so, the team works closely with multiple stakeholders (both internal and external) to understand and account for asset financing, risk, operating costs, and the competitive environment. The team monitors the US Treasury rates and futures market as it relates to cost of debt and equity assumptions, while also tracking SETF contract volume and Southeast Toyota Distributors vehicle sales. The team presents portfolio/program performance and the profitability forecast to the SETF leadership team. If you are passionate about finance and thrive in a collaborative environment, we invite you to join our team and make a meaningful impact on our organization's success.

Responsibilities:

• Preparing and delivering quality and timely monthly reporting with value-added commentary on retail & lease portfolio results

• Generating monthly profitability forecasts for the retail & lease portfolio

• Building and manipulating dynamic discounted cash flow (DCF) models

• Utilizing cash flow and portfolio valuation models on consumer retail and/or lease portfolio receivables

• Financial forecasting and budgeting variance analyses

• Analyzing actual results and monitoring and reporting on variances

• Data mining, cleansing and analyzing

• Producing and presenting scenario-based pricing strategies

• Assisting in preparing presentations on new or existing programs

• Preparing ad hoc reports upon request

• Collaborating with various departments on successful implementation and tracking of programs

Qualifications:

• Bachelor’s degree in Finance/Accounting/Mathematics or related field of study required

• 1-3 years of financial analysis experience (or graduate degree [MSF/MBA])

• Advanced Excel experience (Pivot Tables, Macros, etc) is critical and knowledge of SAS, Power BI and Tableau is preferred

• High level of proficiency in MS Office Suite of products

• Thorough understanding of financial analysis and concepts, curious mindset and a desire to challenge the status quo with an innovative approach

• Proficient in analyzing and solving problems with limited direction

• Strong verbal and written communication skills with the ability to effectively communicate with all levels of associates

• Motivated self-starter, skilled and comfortable with multitasking

• Ability to think big picture and generate and present thoughts to upper management

• Excellent organizational skills and attention to detail

• Ability to be flexible and work under strict deadlines with minimal supervision

• Ability to take ownership of deliverables and processes

• Eligible to work in the U.S. Please note, United States work visa sponsorship is not available for this position.

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