Sr. Manager, Commercial Credit
Hyundai Capital America•Irvine, CA
•Hybrid
About The Position
The Sr. Manager, Commercial Credit oversees all aspects of the originations process, including deal structure, underwriting, documentation and funding. In addition, this role is responsible for the annual reviews and renewals, as well as the ongoing account management process. This role has credit approval authority as defined by the Dealer Finance – Commercial Credit Authority Policy.
Requirements
- Minimum 8 years’ related experience in bank or captive commercial automotive lending.
- Minimum 3 years supervisory experience.
- Bachelor’s degree in Finance, Business Administration, Economics or related discipline.
- Possess a high level of subject matter expertise in dealership operations and financial statements.
- Excellent understanding of factors that impact the auto business and dealer profitability.
- Familiarity to loan policies and procedures.
- 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
- Prior automotive underwriting and risk management experience preferred.
- Advanced degree a plus.
Responsibilities
- Work in conjunction with field sales management to establish acceptable credit structure and identify exceptions to credit origination and credit authority policies.
- Review all due diligence items submitted by field sales and identify deficiencies for correction.
- Review submitted Commercial Credit request prior to assigning it to a Sr. Commercial Credit Analyst.
- Manage the workflow of new requests assignments.
- Review the accuracy of all underwriting completed by the analyst.
- Make credit recommendations for all requests.
- Make credit decisions for applicable credit exposure as outlined in the Dealer Finance – Commercial Credit Authority Policy.
- Assist the Commercial Credit Portfolio Team with the underwriting process of annual reviews by assigning reviews to team members, reviewing underwriting, and making recommendations and/or decisions where applicable.
- Ensure all approved loan products are properly documented.
- Oversee the funding process of new loan products.
- Establish new customers in systems for ongoing dealer management.
- Oversee all aspects of portfolio management (Dealer Monthly Review, Overline Management, etc.).
- 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% 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
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
Upload and Match Resume
What This Job Offers
Job Type
Full-time
Career Level
Manager
