Alec Near
Credit Analyst @Toyota Financial Services Corporation
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WORK HISTORY
Credit Analyst @Toyota Financial Services Corporation
Perform comprehensive credit risk analysis on retail and lease applications, utilizing credit bureau data and financial statements to determine consumer creditworthiness.• Exercise discretionary lending authority to approve, condition, or decline complex automotive finance deals within established corporate risk parameters.• Act as a key consultant for the dealership body, fostering long-term partnerships through consistent, transparent, and fair credit decisions.• Communicate sensitive credit rejections or conditions to dealership personnel, providing actionable feedback and deal structures to help restructure applications for approval.• Ensure all credit decisions adhere strictly to federal and state lending regulations (including Fair Lending) as well as internal TMCC policies.• Deliver best-in-class support to the dealer network, serving as a Subject Matter Expert (SME) on Toyota Financial Services products and programs to drive contract volume.• Monitor dealer trends and identify irregularities to mitigate emerging credit risks and maintain the high quality of the regional portfolio.
EDUCATION
Central Washington University
Bachelor of Arts - BA
ABOUT ALEC NEAR
Leasing Professional at Avenue5
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