Sr. Commercial Credit Analyst

Hyundai Capital America; Toronto; On-site; CAD 70,000 - 90,000; Full time

Job summary

A leading company in automotive finance seeks a Senior Associate for Commercial Credit operations. The role involves adjudicating credit applications, mentoring staff, and ensuring compliance. The ideal candidate will possess at least 4 years of experience, strong communication skills, and proficiency in both English and French. Join a dynamic team committed to growth and excellence in service.

Qualifications

• 4+ years’ experience as a Credit Analyst preferred.
• Bilingual in French and English is beneficial.
• Strong knowledge of loan documentation and funding procedures.

Responsibilities

• Adjudicate credit applications and handle escalations.
• Mentor and train new credit analysts.
• Monitor dealer performance and fraud indicators.

Skills

Communication

Time Management

Collaboration

Coaching

Education

High school diploma

College degree

Tools

Microsoft Excel

Microsoft Word

Microsoft Outlook

Automated credit decision systems

Job description

Hyundai Capital Canada (HCCA) is the Canadian captive finance business for Hyundai Motor Group. We go to market under the service brands Hyundai Motor Finance, Kia Finance, and Genesis Finance. Through a network of over 450 Hyundai and Kia dealerships and Genesis Distributors nationwide, we provide indirect vehicle financing and leasing solutions to consumers and commercial customers.

Employee Value Prop and Culture :

Our employees contribute every day to a culture that is fast-paced, dynamic, energized, agile, and collaborative. From our various employee programs to the unique design of our offices, 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.

Global One Company :

Many countries. One identity. 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.

Reporting to the Director, Originations, the Senior Associate, Commercial Credit is responsible for adjudicating Commercial and Consumer credit applications and making decisions within defined risk tolerances, with authority to make exceptions where appropriate. This role serves as a key point of contact for Dealers, Sales, and the Funding Department, requiring clear communication via phone, email, and internal systems. The role demands multitasking across credit decisioning, escalations, compliance monitoring, and providing mentorship and backup support.

Duties and Responsibilities :

• Adjudicate Commercial and Consumer credit applications, including financial and supporting document reviews, in alignment with established risk tolerances and service level agreements (SLAs).
• Review funding requests requiring exceptions or overrides, as well as handle escalations from Credit Analysts and Funding related to commercial applications, ensuring decisions are timely and within defined turn times.
• Provide feedback to managers on non-compliance trends and support calibration meetings for continuous improvement.
• Monitor dealer performance and fraud indicators and provide updates to managers and the Risk team for maintaining Caution and Watchlists.
• Mentor and support onboarding of credit analysts through knowledge sharing and training.
• Provide backup support to Credit Managers and assist with department coverage to ensure operational continuity.
• Monitor dealer performance and fraud indicators and provide updates to managers and the Risk team for maintaining Caution and Watchlists.
• Complete ad hoc tasks and special projects as assigned by management.

Qualifications

• 4+ years’ experience as a Credit Analyst, preferably with experience in commercial credit.
• Bilingual proficiency in French and English preferred.
• Strong knowledge of funding procedures, loan documentation, and the end-to-end credit analysis process.
• Experience with automated credit decision systems (FiServ / Defi or equivalent).
• Solid understanding of compliance laws related to retail consumer lending and funding.
• High school diploma required; college degree is a plus.
• Proven ability to manage multiple tasks, build relationships, and communicate effectively in both oral and written formats.
• Intermediate to advanced proficiency in Microsoft Excel, Word, and Outlook.
• Strong time management, collaboration, training, coaching, and feedback skills.

Hyundai Capital Canada Inc. is committed to acknowledge applications from people with disabilities. Accommodations are available on request for candidates taking part in all aspects of the selection process.

Primary Location

Work Locations

Job Type

Regular

Overtime Status

Non-exempt

Schedule

Full-time

Job Posting

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