Senior Manager, Dealer Credit Examiner

Hyundai Capital America • Irvine, CA

4d • Onsite

About The Position

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.

Requirements

• 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
• 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
• Ability to travel and conduct assessments on site at dealer locations

Nice To Haves

• CPA, CFE or CFA a plus
• Experience with criticized assets or special situations a plus

Responsibilities

• 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

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
• 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 This Job Offers

• Job Type: Full-time
• Career Level: Senior