Senior Credit Risk Analyst Jobs in Georgia (NOW HIRING)

Description
Job Title : Sr. Dealer Financial Review & Examination Manager
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 values-driven environment. We're proud to support our communities through volunteerism, philanthropy, and engaged Employee Resource Groups.
If you're looking for a fast-paced, collaborative workplace where your ideas matter, join us as we lead the future of financing freedom of movement. Apply today.
WORK MODEL
#LI-OnSite (4 days a week)
WHAT YOU WILL DO
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.
HOW YOU WILL MAKE AN IMPACT
• 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
• 75-80% travel to dealerships nationwide
Qualifications
WHAT YOU WILL BRING TO THE ROLE
• 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 on-site 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
WE TAKE CARE OF OUR PEOPLE
At HCA, we know our success starts with our people. We offer a comprehensive rewards package designed to support your health, financial wellbeing, and life outside of work - so you can bring your best every day.
In addition to competitive pay, our benefits include:
• 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
At HCA, our benefits are more than perks - they're part of our commitment to supporting you at work and in life. Learn more about benefits at HCA!
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 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 .