Credit Risk Underwriter Jobs in Georgia (NOW HIRING)

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

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 values‑driven environment.

#LI-OnSite (4 days a week)

We’re seeking a senior credit risk professional to conduct independent, on‑site financial reviews of automobile dealerships nationwide. In this role, you’ll travel extensively across the U.S. to assess dealer cash flow, liquidity, working capital, and overall financial condition through hands‑on reviews of books, records, and bank activity. Your work will support both new loan originations and existing credit relationships by providing clear, objective financial insight to Commercial Risk and Credit leadership—while remaining independent of underwriting and approval decisions. This is a highly visible role for candidates who enjoy field‑based analysis, travel, and applying sound judgment to complex credit and risk situations. You’ll play a key part in safeguarding portfolio quality, supporting criticized asset decisions, and strengthening overall credit risk governance.

• Conduct on‑site financial reviews of new and existing commercial borrowers
• Review books, records, accounting systems, and bank activity for accuracy and reliability
• Analyze cash flow, liquidity, working capital, and balance sheet integrity
• Perform bank reconciliations and assess true available cash
• Identify financial weaknesses, trends, and risk indicators
• Recommend financial statement and working capital adjustments
• Prepare concise field examination and credit review reports
• Support risk grading, watchlist/criticized asset decisions
• Provide independent financial analysis for workouts, restructurings, and special situations
• Partner with Commercial Risk, Credit, and Legal while maintaining second‑line independence

• 8+ years of commercial credit, financial analysis, field exams, or risk oversight in Dealer Financial Services, Commercial Banking, Commercial Credit Review, or Forensic Accounting
• Bachelor’s degree in Accounting, Finance, or related field
• CPA, CFE, or CFA a plus
• Deep understanding of cash flow, liquidity, and working capital
• Strong experience with Credit risk grading frameworks
• Clear, confident communicator with strong judgment
• Ability to engage with senior leadership and borrower management teams
• Experience with criticized assets or special situations a plus
• Ability to travel and conduct assessments on site at dealer locations

• Hybrid work schedule offering 4 on‑site days and 1 remote day per week
• Vehicle benefits designed around your role, including monthly allowances and purchase and lease discounts
• Flexible health coverage with medical, dental, and vision plans, including no‑cost and low‑cost options
• Annual employer HSA contribution to help offset healthcare expenses
• 401(k) with company match and immediate vesting, so you can start building your future from day one
• 100% company‑paid life and disability insurance for added peace of mind
• Wellbeing programs at no cost to you, including gym benefits and health resources
• Generous parental leave to support growing families
• Paid Volunteer Time Off, plus a company donation to a charity of your choice

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.