Auto Credit Analyst Jobs in California (NOW HIRING)

Hyundai Capital America (HCA) helps people move forward. Through Hyundai Motor Finance, Genesis Finance, and Kia Finance, we deliver innovative financing, leasing, and insurance solutions to more than 3 million customers and businesses nationwide.

We're a company driven by growth, innovation, and people. At HCA, you'll find opportunities to build new skills, expand your career, and make a real impact-while working in a diverse, inclusive, and valuesdriven environment. We're proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups.

If you're looking for a fastpaced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement. Apply today.

WHAT YOU WILL DO

The Sr. Manager, Commercial Credit oversees all aspects of the originations process, including deal structure, underwriting, documentation and funding. In addition, this role is responsible for the annual reviews and renewals, as well as the ongoing account management process. This role has credit approval authority as defined by the Dealer Finance - Commercial Credit Authority Policy.

HOW YOU WILL MAKE AN IMPACT

1. Deal Structure & Underwriting:

• Work in conjunction with field sales management to establish acceptable credit structure and identify exceptions to credit origination and credit authority policies.

• Review all due diligence items submitted by field sales and identify deficiencies for correction.

• Review submitted Commercial Credit request prior to assigning it to a Sr. Commercial Credit Analyst.

• Manage the workflow of new requests assignments.

• Review the accuracy of all underwiring completed by the analyst

• Make credit recommendations for all requests.

• Make credit decisions for applicable credit exposure as outlined in the Dealer Finance - Commercial Credit Authority Policy.

2. Annual Reviews:

• Assist the Commercial Credit Portfolio Team with the underwriting process of annual reviews by assigning reviews to team members, reviewing underwriting, and making recommendations and/or decisions where applicable.

3. Documentation & Funding:

• Ensure all approved loan products are properly documented

• Oversee the funding process of new loan products

4. Portfolio Management (first 6 months on books):

• Establish new customers in systems for ongoing dealer management

• Oversee all aspects of portfolio management (Dealer Monthly Review, Overline Management, etc.)

5. Lead, mentor, and develop team members by providing direction, performance feedback, and support to ensure effective collaboration, professional growth, and achievement of organizational and personal goals

WHAT YOU WILL BRING TO THE ROLE

• Minimum 8 years' related experience in bank or captive commercial automotive lending.

• Prior automotive underwriting and risk management experience preferred.

• Minimum 3 years supervisory experience

• Bachelor's degree in Finance, Business Administration, Economics or related discipline.

• Advanced degree a plus.

• Possess a high level of subject matter expertise in dealership operations and financial statements.

• Excellent understanding of factors that impact the auto business and dealer profitability.

• Familiarity to loan policies and procedures.

• Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook).

• Ability to successfully manage, train, develop and mentor direct reports.

• Strong written and verbal communication skills including ability to present to leadership.

• Strong interpersonal skills to work in a team environment and build relationships with internal and external stakeholders.

WE TAKE CARE OF OUR PEOPLE

At HCA, our people drive our success. That's why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing-at work and beyond.

Benefits Highlights

• Hybrid flexibility - 4 days in office, 1 day remote

• Vehicle perks - monthly vehicle allowance plus purchase and lease discounts

• Comprehensive health coverage - medical, dental, and vision plans

• Employer-funded HSA contributions to help reduce healthcare costs

• 401(k) with company match and immediate vesting from day one

• 100% company-paid life and disability insurance

• Wellbeing benefits including fitness and health resources

• Leadership programs and career development that support continuous learning

• Paid Volunteer Time Off and a company charitable donation in your honor

Because great benefits help you thrive-personally and professionally.

WHAT HAPPENS NEXT

Express your interest by submitting an application. Once your application is received, our recruiting team will review your application to see if you meet the basic and preferred qualifications listed on the job description. For more information on our culture, visit our careers page.

OTHER DETAILS

Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace-because we believe diversity builds stronger teams. We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws.

California Privacy Notice

This notice only applies to our applicants who reside in the State of California.

The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended as by the California Privacy Rights Act of 2020 ("CCPA"). 

If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs.com.