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Expert (m/f/d) Risk/Legal

Are you looking for a new challenge? Would you like to take on responsibility and develop yourself further? Then join us and drive the change!

At Toyota, we know that nothing is impossible. This is not only true for Toyota as a mobility brand, but also for us: Toyota Kreditbank GmbH (TKG). As the bank of one of the world's largest automobile manufacturers, we have been operating successfully in the German market for over 35 years - and are continuing to grow.

Toyota's mission for the future, "Mobility for All," is to give as many people as possible access to mobility. That is why our shareholder is expanding its existing business model to include relevant solutions that deliver added value to society. This idea is also reflected in our innovative financial products and customer-focused services, which regularly earn us the Best Autobank award. Together we can strive for innovation and redefine the boundaries of what is possible without losing sight of our roots.

Your Tasks:

 

  • Examine and decide on the initiation, continuation and termination of extrajudicial and judicial measures within the scope of competences with regard to legal enforceability, as well as their economic efficiency for the division and TKG as lender/lessor.
  • Corresponding and independently negotiating (deciding, offering and closing) with contractual partners or lawyers on debt waivers, settlements/waivers within the framework of existing guidelines for Toyota Kreditbank to minimise defaults and lawsuit risks in the run-up to the proceedings.
  • Deciding on and initiating legal proceedings (foreclosure & insolvency) after examining the economic viability and prospects of success with regard to the probability of realisation, as well as subsequently deciding on and initiating coercive measures, such as attachment of salary, property, tax repayment claims, pensions, registration of security mortgages, as well as the arrest of debtors and the initiation of proceedings to obtain a "statement of assets".
  • Deciding on and initiating the repatriation of collateral in Switzerland and abroad, after examining its economic viability, in order to realise it and minimise losses.
  • Carrying out searches for debtors with the help of external bodies such as residents' registration offices, external service providers and the legally permissible possibilities of the Internet.
  • Supervision of insolvency proceedings
  • Managing and deciding on the repatriation of vehicles, their continued use by the insolvency debtor and the compensation for their use within the framework of the legal regulations. Managing and deciding on the restructuring support of companies and private individuals through contract rescheduling, redemptions and refinancing, continuations and their monitoring to minimise default
  • Assessing and deciding on substitute collateral, the waiver of collateral and creditworthiness checks on debtors for the continuation of unsecured loans. Assessing and deciding on the realisation of collateral vs. refinancing in the event of insolvency with regard to the reduced collateral
  • Settlement of deaths in the context of loans/leasing agreements, including clarification of inheritance relationships

Your Profile:

 

  • Successfully completed apprenticeship as a paralegal and/or notary's assistant 
  • Several years of practical work experience in the banking or insurance industry, or in a law firm
  • Knowledge of civil, insolvency and insurance law, as well as knowledge of extrajudicial and judicial dunning procedures
  • Problem-solving skills
  • Analytical thinking skills
  • Proven expertise in the leasing and credit business
  • Willingness to make decisions coupled with negotiating skills
  • Fluency in both written and spoken German and English language

What we offer:

Wir bieten Ihnen:

We offer you a progressive workplace with challenging, varied tasks in a dynamic environment and a pleasant working atmosphere. Flexible working hours and targeted training are part of the package as well as an attractive remuneration and a company pension. We also offer a vehicle leasing programme in which you and up to two relatives can participate. Through our cooperation partner Urban Sports Club you can take advantage of various fitness offers at reduced conditions. Two canteens are available for your subsidized lunch.

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