Remarketing Analyst, Justin Lockhart

One look at Justin Lockhart welcoming guests into this home, and you might be able to guess the Toyota core value that resonates with him the most: be kind and generous.

Being kind, expressing empathy, and being understanding, is particularly important when dealing with sensitive financial situations. With his extensive experience in automotive financing, Justin knows the business inside and out. He began his career with American Honda Finance Corporation on the consumer leasing side, helping customers weigh the financial options of returning, financing, or purchasing their vehicle at lease end. He then held positions of increasing responsibility in the areas of loss recovery, virtual sales, and arbitration—each role giving him further insight into the larger financial picture of an automotive company.

In 2016, he moved to Toyota Industries Commercial Finance, Inc. (TICF), starting in collections where he consistently met his numbers. Three years ago, he joined the remarketing department, which, to him, feels like home and is where he has flourished.

In his initial position as a coordinator, he supported the analysts who help mitigate the losses. A promotion to senior coordinator gave him the chance to learn some of the analysts’ responsibilities, which he parlayed into another recent promotion to a full-fledged analyst role.

Coming up through the ranks has shown him how important it is to structure deals as win-win situations. “We have to make sure we price off-lease units effectively, which means that it’s good for the dealer as well as TICF,” Justin says. “While we want each sale to be as profitable as possible, we also need to be focused on facilitating our relationship with the dealer.” He also considers the customer. “We have to balance everything to make sure all three parties are equally and effectively represented so we can all be successful and profitable.”

As Justin sees it, everyone at TICF—from the management team to his colleagues—is invested in these positive outcomes. “My coworkers are equally engaged in their work because they enjoy it, and that makes it even easier for me to enjoy it,” he says.

He also prizes the diversity inherent in the TICF workforce with people of different ages and cultures all working together. “It’s really fascinating when one considers the various life experiences and how those experiences influence the perspectives our people bring to their work,” he notes.