Sr. Consumer Credit Analyst

Hyundai Capital America•Toronto, ON

3d•Onsite

About The Position

Hyundai Capital Canada (HCCA) is the Canadian captive finance business for Hyundai Motor Group, operating under the service brands Hyundai Motor Finance, Kia Finance, and Genesis Finance. We provide indirect vehicle financing and leasing solutions to consumers and commercial customers through a network of over 450 Hyundai and Kia dealerships nationwide. Our employees contribute every day to a culture that is fast-paced, dynamic, energized, agile, and collaborative. We strive to foster a connected, fun, positive, and rewarding company culture where employees feel appreciated for their contributions, proud of their company, and passionately invested in HCCA's success. Hyundai Capital has offices across the world, including South Korea, the United States, China, the United Kingdom, Germany, and Brazil. Our work environments are designed with specific themes in mind to achieve a consistent global identity that reflects our values: simplicity, collaboration, elements of nature, and symmetry. The objective of this position is to review and decision applications within acceptable Risk tolerances, making exceptions where warranted. The senior credit analyst will be communicating with Dealers, Sales, and the Funding Department through various mediums including phone, internal LOS system and email. This individual will be required to multitask throughout the day including answering and making outgoing phone calls, reviewing inbox items such as proof of income, handling escalations and reviewing/decisioning applications and escalations. This role supports the Western Canada region and follows a schedule of five (5) days per week, eight (8) hours per day, on a rotating Monday-to-Saturday schedule, between 11:00 AM and 11:00 PM EST.

Requirements

High school diploma, college degree a plus
4+ years’ experience as Credit Analyst
Thorough funding and loan documentation knowledge
Thorough knowledge of the credit/review process and credit analysis
Thorough knowledge of compliance laws as related to retail consumer lending, contracting and funding
Ability to manage multiple tasks effectively
Relationship building skills with both internal and external customers
Strong communications skills – oral and written
Intermediate to advanced user experience with Excel, Word, and Outlook
Self-starter with excellent time management skills
Team building and collaborative skills
Ability to assist in training new hire credit analysts
Coaching and feedback skills

Nice To Haves

Bilingual in French and English preferred, not required
FiServ/Defi knowledge a plus or knowledge of automated credit decision system(s)

Responsibilities

Adjudicate credit applications in alignment with established risk tolerances and service level agreements (SLAs)
Review Funding requests requiring exceptions or overrides, as well as escalations from Credit Analysts, ensuring timely decisions within established turn times
Provide feedback to managers on non-compliance trends or concerns to support calibration meetings and continuous improvement
Monitor dealer performance and fraud indicators in order to provide feedback to the managers and Risk team to help ensure that the Caution and Watchlists are kept up to date
Mentor credit analysts by sharing knowledge, offering guidance, and supporting onboarding and training efforts
Provide backup support to Credit Managers as needed to ensure consistent operational coverage
Complete ad hoc tasks and special projects, as assigned