Credit Analyst

Hyundai Capital•Irvine, CA

1d•Onsite

About The Position

The Associate, Consumer Credit is responsible for underwriting consumer applications from Hyundai, Kia and Genesis Dealers. This position is responsible for making credit decisions that meet acceptable underwriting standards within HCA’s policies and procedures as well as adhering to all State and Federal regulatory compliance. All Credit Analyst responsibilities should be handled in an expeditious manner per HCA’s KPI’s. This position requires flexibility and ability to adapt to a multi-functional departmental structure. All positions within the Operations Division are expected to collaborate cross-divisionally to achieve a seamless customer experience; this includes supporting other departments as necessary to meet the business need.

Requirements

Strong verbal, written and interpersonal skills
Analytical with high attention to detail
Self- starter with excellent time management skills
Well versed on company product offerings, reporting and measurement systems
Ability to negotiate, influence and collaborate both with customers and associates
2 years of experience in fast paced office environment
High school graduate (GED), College Degree preferred

Nice To Haves

Minimum 1-year automotive finance experience (Desirable)
Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable)
Auto finance or related background is preferred
Experience with Dealer operations or Sales (Desirable)

Responsibilities

Analyze information from credit applications utilizing the four C’s of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash.
Balance the demands of Production, Sales Support, Risk, and Quality Assessments while maintaining established SLA’s. Participate in team meetings and Calibrations to communicate, share trends, review Policies & Procedures and team goals.
Follow up for approvals and pending contracts to increase capture rate and monitor dealer’s portfolio. Be well versed in eContract and eRehash processes. Conduct Customer Interviews and investigations when needed to facilitate in credit decisions or assist in the funding process. Coach and assist dealers to resolve funding issues and reduce unclean contracts.
Performance Coaching: Actively participate in coaching and development sessions/trainings to co-create solutions that enhance individual performance and overall department/team performance.
Perform all other duties as assigned.

Benefits

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:
Associate / Sr. Associate: $350
Manager / Sr. Manager: $600
Director: $800
Executive Director: $900
VP or Above: $1,000
100%25 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