Manager, Commercial Credit Portfolio Management
About The Position
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.
Requirements
- Minimum 5-7 years’ related experience in financial statements and dealer credit analysis.
- 0-2 years supervisory or leading large projects.
- Bachelor’s degree is required preferably in Finance, Accounting, Economics or related field preferred.
- Proven commercial credit and risk identification/mitigation skills in analytically challenging environment.
- Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook).
- Ability to successfully manage, train, develop and mentor direct reports.
- Strong written and verbal communication skills including ability to present to leadership.
- Strong interpersonal skills to work in a team environment and build relationships with internal and external stakeholders.
Nice To Haves
- Exposure to the automotive business environment is highly recommended, particularly if exposure was to some aspect of commercial credit activity.
Responsibilities
- Maintain periodic reviews and inspections of collateral, documentation, reporting, and financial statements to identify current and/or early detection of company risk including, but not limited to, management/oversight of UCC’s, Insurance, credit lines, and aged inventory.
- Manage assigned analyst work prior to submission to Director for review. Includes new requests, interim requests and periodic reviews.
- Frequent and direct interaction with sales team (Business Development Managers, Regional Operations Managers and Field Sales Directors), regarding issues determined during the underwriting process for annual reviews and interim requests.
- Direct interaction with dealer principals and dealership majority owners and staff to facilitate the underwriting process.
- Commercial Credit lending authority for new requests as needed and reviews/interim requests, with lending approval authority of up to $15 million for floorplan financing and up to $1 million for working capital loans.
- Use authority to make decisions on requests and accounts, representing approximately 20%25 of the Commercial portfolio.
- Participate in assigned strategic projects and initiatives (including but not limited to mobility, data, and digitalization efforts) within the Commercial Credit Department.
- 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.
Benefits
- Hybrid flexibility – 4 days in office, 1 day remote
- Vehicle perks – monthly vehicle allowance plus purchase and lease discounts
- Comprehensive health coverage – medical, dental, and vision plans
- Employer-funded HSA contributions to help reduce healthcare costs
- 401(k) with company match and immediate vesting from day one
- 100%25 company-paid life and disability insurance
- Wellbeing benefits including fitness and health resources
- Leadership programs and career development that support continuous learning
- Paid Volunteer Time Off and a company charitable donation in your honor
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What This Job Offers
Job Type
Full-time
Career Level
Manager
