Congratulations to the Strategic Credit Underwriting and Monitoring Tool Development project for being named the Toyota Industries Commercial Finance (TICF) FY2025 Beyond the Transaction Project of the Year.

Members of the project include Anthony Taylor (Commercial Credit), Emmanuel Aleman (Commercial Credit), Julia Gwillim (Enterprise Risk Management), Melissa Burnett (Commercial Credit), Michael Conroy (IT Innovation), Scott Ashimine (Commercial Credit), Trevor Kemp (Enterprise Risk Management), Wes Concienne (Commercial Credit), and Zhining Chen (Enterprise Risk Management).

The Strategic Credit Underwriting and Monitoring Tool Development project earned the title of Project of the Year due to its impact on TICF’s ability to mitigate credit risks and enhance compliance amidst evolving market dynamics. Launched as a response to increased credit losses, the project successfully redefined and enhanced our underwriting processes without incurring additional costs as it leveraged existing resources like Excel and Power BI.

The Strategic Credit Analyst Decisioning Tool empowers analysts with comprehensive, easy-to-access data, which facilitates informed decision-making aligned with updated policies and risk mitigation strategies. Meanwhile, the Audit Reporting Tool provides a sharpened view of underlying causes of previous losses, while the Early Delinquent and Early Default Loss Tool provides vital insights into trend analysis for proactive risk intervention.

The Strategic Credit Underwriting and Monitoring Tool Development project, which included the development of these three credit analysis tools, exemplified cross-departmental collaboration towards a shared goal, resulting in improved efficiency, scalability, and data-driven strategies. By significantly reducing credit losses on new originations, this project not only demonstrated a remarkable return on investment but also reinforced our commitment to sound and resilient financial practices, making it a standout achievement in Fiscal Year 2025.

About the Beyond the Transaction Awards: At the heart of Toyota Industries Commercial Finance (TICF) are the tremendous contributions of our Associates. At the end of each fiscal year, Associates have the opportunity to nominate an individual for the Beyond the Transaction Associate of the Year and a project for the Beyond the Transaction Project of the Year. These awards are a testament to our commitment to acknowledging the outstanding efforts, creativity, and dedication that extend beyond conventional expectations. It is an opportunity for us to honor those who excelled in their day-to-day work in addition to making a significant impact on the Purpose, Values, Mission, and Vision (PVMV) of TICF.