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.
Weโre a company driven by growth, innovation, and people. At HCA, youโll find opportunities to build new skills, expand your career, and make a real impactโwhile working in a diverse, inclusive, and valuesโdriven environment. Weโre proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups.
If youโre looking for a fastโpaced, 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 โ Commercial Credit Authority Policy.
HOW YOU WILL MAKE AN IMPACT
1. Deal Structure & Underwriting:
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Work in conjunction with field sales management to establish acceptable credit structure and identify exceptions to credit origination and credit authority policies.
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Review all due diligence items submitted by field sales and identify deficiencies for correction.
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Review submitted Commercial Credit request prior to assigning it to a Sr. Commercial Credit Analyst.
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Manage the workflow of new requests assignments.
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Review the accuracy of all underwiring completed by the analyst
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Make credit recommendations for all requests.
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Make credit decisions for applicable credit exposure as outlined in the Dealer Finance โ Commercial Credit Authority Policy.
2. Annual Reviews:
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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:
4. Portfolio Management (first 6 months on books):
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Establish new customers in systems for ongoing dealer management
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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