Sr. Consumer Credit Associate

Hyundai Capital; Toronto; On-site; CAD 60,000 - 80,000; Full time

Job summary

A leading company in the automotive finance sector is looking for a Sr. Consumer Credit Associate to review credit applications and mentor junior analysts. This role requires a strong knowledge of the credit process, exceptional communication skills, and a collaborative spirit, suitable for someone with at least 4 years of experience in credit analysis.

Qualifications

• 4+ years’ experience as Credit Analyst.
• Thorough funding and loan documentation knowledge.
• Knowledge of compliance laws related to retail consumer lending.

Responsibilities

• Adjudicate credit applications in alignment with risk tolerances.
• Provide feedback on non-compliance trends.
• Mentor credit analysts and support onboarding.

Skills

Relationship building

Communication

Time management

Multi-tasking

Coaching

Education

4+ years as Credit Analyst

Tools

Excel

Word

Outlook

Job description

Job Description - Sr. Consumer Credit Associate (250000A5)

Job Description

Sr. Consumer Credit Associate - ( 250000A5 )

Description

Who We Are : 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.

Position Details : The objective of this position is to review and decision applications within acceptable Risk tolerances, making exceptions where warranted. The 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

Duties and 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 by management

Qualifications

Work Experience :

• 4+ years’ experience as Credit Analyst
• Thorough funding and loan documentation knowledge
• Thorough knowledge of the credit / review process and credit analysis
• FiServ / Defi knowledge a plus or knowledge of automated credit decision system(s)
• Thorough knowledge of compliance laws as related to retail consumer lending, contracting and funding

Education & Certification :

Knowledge, Skills, & Abilities :

• 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

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