Director Credit Risk Jobs in California (NOW HIRING)

Who We Are

Through our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance, Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai, Genesis, and Kia customers and dealerships.  We provide vehicle financing, leasing, subscription, and insurance solutions to over 3 million consumers and businesses. Embodying our commitment to grow, innovate, and diversify, we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. Together, we strive to be the leader in financing freedom of movement.

We Take Care of Our People

Along with competitive pay, as an employee of HCA, you are eligible for:

         Medical, dental, and vision plans with no-cost and low-cost options

         Annual employer HSA contribution

         401(k) matching and immediate vesting

         Vehicle purchase and lease discounts, plus monthly vehicle allowances by job level:

o    Associate / Sr. Associate: $350

o    Manager / Sr. Manager: $600

o    Director: $800

o    Executive Director: $900

o    VP or Above: $1,000

         100% employer-paid life and disability insurance

         No-cost health and wellbeing programs, including a gym benefit

         Six weeks of paid parental leave

         Paid Volunteer Time Off, plus a company donation to a charity of your choice

What To Expect

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.

What You Will Do

         Conduct onsite 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 secondline independence

What You Will Bring

         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

         Comfortable conducting borrower onsite reviews

         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

Work Environment

Employees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in an at home and office environment.

 The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range.

 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 amended 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.