Sr. Manager, Commercial Credit

Hyundai Capital•Irvine, CA

6d•Hybrid

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 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

Oversees all aspects of the originations process, including deal structure, underwriting, documentation and funding.
Responsible for the annual reviews and renewals, as well as the ongoing account management process.
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.