Sr. Dealer Financial Review & Examination Manager

Hyundai Capital•Irvine, CA

29d

About The Position

The Sr. Dealer Financial Review & Examination Manager is responsible for providing independent financial review and credit risk oversight for commercial loan borrowers. This role evaluates borrower’s cash flow, liquidity, working capital, and overall financial condition by traveling to borrower places of business to perform onsite reviews of books, records, bank accounts, and supporting documentation. This role will support loan originations and existing credit relationships through independent financial validation, high-risk borrower analysis, and credit grading support. In addition, this role will provide analytical support for criticized assets, special situations, and workout related financial assessments, while remaining independent of underwriting and credit approval decisions.

Requirements

Minimum 8 years of progressive experience in field-based borrower financial review plus one or more in the following areas:
Dealer or financial services industry
Commercial credit review or loan review
Credit risk management
Forensic or investigative accounting (commercial focus)
Commercial banking or public accounting with middle market clients
Bachelor’s degree in Accounting, Finance, or related field.
Ability to travel and operate independently in field-based assignments is essential
Advanced knowledge of:
Bank reconciliations and cash flow analysis
General ledger and trial balance review
Commercial borrower financial statements
Working capital and liquidity analysis
Strong understanding of:
Credit risk grading frameworks
Regulatory expectations for independent loan review
Advanced Excel and financial analysis skills required
Exceptional attention to detail and quality.
Excellent verbal and written communication, including presentation skills.
Excellent interpersonal skills to successfully collaborate with cross functional departments and with customers.
Strong orientation toward results coupled with reputation for integrity, creativity and good judgment
Strong professional skepticism and independent risk judgment
Comfort interacting with borrower management and senior leadership
Deep understanding of regulatory, governance, and credit risk expectations
The role involves frequent on-site borrower visits across Hyundai Capital America’s national commercial footprint, including:
Multi day field reviews
Short notice travel for high risk, time sensitive, or origination related review

Nice To Haves

CPA, CFE, CFA, or equivalent professional designation (preferred).

Responsibilities

Commercial Borrower Financial Review and Reporting
Conduct independent, on-site financial reviews at places of business for both existing and prospective commercial borrowers.
Review borrower books, records, accounting systems, and financial documentation for accuracy, completeness, and reliability.
Engage borrower management, accounting staff, and third-party professionals to understand financial practices, cash management processes, and internal controls.
Review borrower bank accounts and monthly bank statements.
Analyze bank reconciliations to identify:
In-transit deposits and payments
Outstanding or stale reconciling items
Overdrafts, negative balances, or liquidity stress
Reconcile cash balances to determine the borrower’s true available cash position.
Identify trends or anomalies in cash activity that may indicate cash flow deterioration or operational stress
Perform in depth analysis of borrower balance sheets, trial balances, general ledgers, supporting schedules and income statements.
Validate income statement and balance sheet integrity and identify unsupported balances, misclassifications, or inaccuracies.
Recommend balance sheet adjustments as necessary, including:
Aging and collectability of accounts receivable
Unsupported or overstated intangible assets
Proper classification of short term versus long term assets and liabilities
Adjustments to equity and net worth
Calculate adjusted working capital needs of the business after all cash and balance sheet adjustments
Review vendor statements and accounts payable records to determine whether the borrower is behind on trade obligations.
Review federal, state, and local tax filings and payment histories to confirm tax compliance and identify delinquent obligations.
Assess the impact of unpaid obligations on borrower liquidity, cash flow, and repayment capacity.
Perform independent financial reviews and due diligence for new loan originations, renewals, and material credit modifications, as requested by Commercial Risk.
Validate borrower financial information relied upon during underwriting, including:
Cash balances and liquidity position, working capital adequacy, balance sheet accuracy and classifications
Identify financial weaknesses, inconsistencies, or risks that may impact proposed credit exposure.
Provide objective financial findings to inform underwriting and approval discussions without assuming underwriting or approval authority
Prepare comprehensive written field credit review reports documenting:
Scope of review, financial findings and adjustments, cash flow and liquidity assessment, working capital analysis, credit risk implications
Escalate material findings, emerging risks, or control weaknesses through Commercial Risk governance channels.
Deliver documentation suitable for Senior management review, credit risk committees, internal audit, regulatory examinations
Serve as a subject matter expert in borrower financial analysis, cash reconciliation, and working capital assessment.
Assist in developing and refining credit review and field examination methodologies.
Share and transfer knowledge to first line of defense regarding dealer financial reviews.
Participate in portfolio level risk initiatives, special reviews, or regulatory remediation efforts
High-Risk Portfolio Analysis & Monitoring
Conduct periodic monitoring of portfolio risk trends and risk concentrations:
Emerging repayment risk
Liquidity shortfalls
Deterioration in working capital or cash flow
Provide independent analysis and documentation to support:
Risk grade migration
Watch list or criticized asset designation
High-Risk Account Support
Provide independent analytical support related to loan defaults, workouts, and restructuring efforts, while maintaining Second Line independence.
Assist Commercial Risk and Commercial Credit with:
Financial analysis of non-performing or defaulted borrowers
Assessment of borrower liquidity, collateral coverage, and repayment alternatives
Evaluation of restructuring or workout scenarios from a financial risk perspective
Identify and document financial factors contributing to borrower distress or default.
Assist in evaluating the adequacy and financial condition of lender collateral.

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