Director, Commercial Credit Portfolio Management

Hyundai Capital America; Plano (TX); Hybrid; USD 160,000 - 256,000; Full time

Job summary

Hyundai Capital America is seeking a Director of Commercial Credit Portfolio Management to lead underwriting for existing customer requests and annual reviews. The role collaborates with Operations, Risk, and Sales to support dealer servicing and risk management for the national portfolio.

The candidate will drive strategic risk initiatives, enhance credit review processes with AI, and lead a large, diverse team to achieve company goals while maintaining compliance and operational integrity.

Qualifications

• Minimum 10 years of progressive experience in Credit Underwriting and Commercial business operations.
• 5 years management experience leading teams.
• Bachelor’s degree in or a related discipline.
• Master’s degree a plus.

Responsibilities

• Lead underwriting for commercial requests from existing customers and annual reviews.
• Oversee portfolio servicing, credit lines adjustments, payoffs, and collection activities.
• Develop and implement commercial credit risk framework and monitoring processes.
• Collaborate with Risk, Legal, Operations to maintain compliance and integrity.
• Lead, mentor and develop team members to meet goals.

Skills

Credit underwriting

Commercial operations

Leadership

Risk management

Strategic planning

Stakeholder management

Process improvement

Communication

Mentoring

Data-driven decision making

Education

Bachelor’s degree

Master’s degree a plus

Tools

Salesforce

Job description

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.

What You Will Do

The Director, Commercial Credit Portfolio Management is responsible for leadership and oversight of the underwriting of commercial requests for existing customers, periodic dealer reviews, and risk management for the national commercial portfolio. This role will collaborate with Operations, Risk, and Sales to provide dealer servicing support as well as conduct dealer risk assessment/management to achieve assigned company goals related to commercial portfolio management.

How You Will Make An Impact

• Commercial Credit Underwriting
• Daily management and oversight of Commercial underwriting activities including requests from existing customers and annual reviews.
• Oversee portfolio servicing activities which include credit lines adjustments, interim requests, payoffs, OEM support, and collection activities.
• Work closely with legal, real estate, risk, and operations to ensure HCA upholds compliance and operational integrity across commercial portfolio.
• Commercial Risk Management
• Lead commercial risk management strategy to implement new risk framework and risk mitigation processes.
• Continue to build out and enhance credit watch meetings around high‑risk dealerships and dealer groups.
• Drive sales engagement around commercial risk management.
• Create additional risk framework around UCC compliance/due diligence, wholesale/real estate insurance, new/used overline exceptions, and floorplan audit compliance.
• Direct and coordinate with other related depts. such as Risk and legal, the identification of and subsequent control and liquidation of default/status dealers.
• Strategy & Process Enhancement
• Lead strategic planning and execution to improve commercial dealer satisfaction and support. Create efficiencies and leverage artificial intelligence (AI) to optimize credit review underwriting, risk management, and collection of commercial receivables.
• Create efficiencies around daily/monthly dealer collection process around floorplan interest, loan payments, curtailments, and insurance.
• Develop enhanced structure around non floorplan loan renewals to drive increased floorplan retention and satisfaction.
• Project Management/Strategic Initiatives
• Lead development and implementation of identified Commercial Credit strategic, WorkSmart, Digitalization, and Data initiatives.
• Develop DRM (dealer relationship management) workflow in salesforce to drive more commercial and sales action on key dealer risk and review items.
• Policy Management
• Collaborate with Commercial Risk to update all department policies, procedures and flow charts.
• Create efficiencies with updated P&P to drive more focus on risk management and file review production.
• Lead, mentor, and develop team members by providing direction, performance expectations and feedback, and support to ensure effective collaboration, professional growth, and achievement of organizational and personal goals.

What You Will Bring To The Role

• Minimum 10 years of progressive experience in Credit Underwriting and Commercial business operations.
• 5 years management experience leading teams.
• Bachelor’s degree in or a related discipline.
• Master’s degree a plus.
• Proven record of accomplishment to influence and partner with the business and leaders to successfully drive large‑scale organization initiatives.
• Proven ability to work across levels and functions to build relationships with key stakeholders and champions
• Demonstrated ability to articulate vision and direction, communicate effectively, manage and measure performance and accountability.
• Excellent written, verbal, and presentation skills.
• Excellent interpersonal, counseling, and negotiation skills.
• Comfortable navigating changes and ambiguity in a fast‑paced environment.
• Forward thinking with the ability to work well under pressure and organize/articulate complex information.
• Strong leadership skills to effectively lead, motivate, and develop large, diverse, high‑performing teams.

WE TAKE CARE OF OUR PEOPLE

At HCA, we know our success starts with our people. We offer a comprehensive rewards package designed to support your health, financial wellbeing, and life outside of work — so you can bring your best every day.

In Addition To Competitive Pay, Our Benefits Include

• Hybrid work schedule offering 4 on‑site days and 1 remote day per week
• Vehicle benefits designed around your role, including monthly allowances and purchase and lease discounts
• Flexible health coverage with medical, dental, and vision plans, including no cost and low‑cost options
• Annual employer HSA contribution to help offset healthcare expenses
• 401(k) with company match and immediate vesting, so you can start building your future from day one
• 100% company paid life and disability insurance for added peace of mind
• Wellbeing programs at no cost to you, including gym benefits and health resources
• Generous parental leave to support growing families
• Paid Volunteer Time Off, plus a company donation to a charity of your choice

At HCA, our benefits are more than perks — they’re part of our commitment to supporting you at work and in life. Learn more about benefits at HCA!

Other Details

Our Company is an equal opportunity employer committed to fostering a diverse, inclusive, and respectful workplace—because we believe diversity builds stronger teams. We comply with all applicable federal, state, and local equal employment opportunity laws and do not discriminate on the basis of race, religion or creed, color, national origin, ancestry, caste, citizenship, sex or gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, disability, medical condition, genetic information, marital status, family care or medical leave status, military or veteran status, political affiliation, or any other characteristic protected by law. Information provided during the application process is requested in good faith and will be used solely in accordance with applicable employment laws.

California Privacy Notice

This notice only applies to our applicants who reside in the State of California.

The latest version of our Privacy Policy can be found here. This Privacy Policy provides you with notice, at or before the point of collection, about the categories of personal information to be collected from you, the purposes for which your personal information is collected or used, and whether that information is sold or shared, so that you can exercise meaningful control over our use of your personal information. We are providing this notice to comply with the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act of 2020 (“CCPA”).

If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at [e-mail].

Primary Location

United States-Texas-Plano

Work Locations

Dallas, TX

Job

Underwriting Op.

Job Type

Regular

Overtime Status

Exempt

Schedule

Full-time

Minimum Salary: $

160,000.00

Maximum Salary: $

256,000.00

Job Posting

Sep 2, 2026