Manager, Commercial Credit Portfolio Management

Hyundai Capital America; Irvine (CA); Hybrid; USD 140,000 - 210,000; Full time

Benefits offered by this job

Hybrid work

Vehicle allowance

Health coverage

HSA contributions

401(k) match

Life insurance

Disability insurance

Wellbeing benefits

Career development

Volunteer Time Off

Company charity donation

Job summary

Hyundai Capital America in California seeks a Manager, Commercial Credit Portfolio Management to lead a team of Credit Analysts, oversee daily servicing, and manage risk and exposure for an assigned portfolio within the Commercial Credit Department. You will also work on underwriting issues and portfolio management.

The role requires coordinating with Field Sales, Regional Operations Managers and Directors to complete annual reviews and interim requests, and to drive strategic projects while

Qualifications

• Minimum 5-7 years' related experience in financial statements and dealer credit analysis.
• Proven supervisory experience or leadership of large projects.
• Exposure to the automotive industry and commercial credit activity.
• Bachelor's degree in Finance, Accounting, Economics or related field required.

Responsibilities

• Lead a team of Credit Analysts and manage daily servicing and underwriting within the Commercial Credit Department.
• Oversee annual reviews, renewals, and ongoing account management for assigned portfolio.
• Collaborate with Field Sales, Regional Operations Managers and Directors to resolve underwriting issues and support mobility, data, and digitalization initiatives.

Skills

Financial analysis

Leadership experience

MS Office

Communication skills

Interpersonal skills

Dealer credit analysis

Team mentoring

Education

Bachelor's degree (Finance/Accounting/Economics)

Tools

Microsoft Office Suite

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 Manager, Commercial Credit Portfolio Management is responsible for leading a team of Credit Analyst, daily servicing, commercial credit lending authority and managing the risk and exposure for an assigned portfolio under Commercial Credit Department leadership. This role is directly responsible for the annual reviews and renewals, as well as the ongoing account management process. In addition, this role will work directly with the Field Sales team, Regional Operations Managers and Directors to resolve underwriting issues.

HOW YOU WILL MAKE AN IMPACT

Maintain periodic reviews and inspections of collateral, documentation, reporting, and financial statements to identify current and/or early detection of company risk including, but not limited to, management/oversight of UCC's, Insurance, credit lines, and aged inventory. Manage assigned analyst work prior to submission to Director for review. Includes new requests, interim requests and periodic reviews. Frequent and direct interaction with sales team (Business Development Managers, Regional Operations Managers and Field Sales Directors), regarding issues determined during the underwriting process for annual reviews and interim requests. Direct interaction with dealer principals and dealership majority owners and staff to facilitate the underwriting process. Commercial Credit lending authority for new requests as needed and reviews/interim requests, with lending approval authority of up to $15 million for floorplan financing and up to $1 million for working capital loans. Use authority to make decisions on requests and accounts, representing approximately 20% of the Commercial portfolio. Participate in assigned strategic projects and initiatives (including but not limited to mobility, data, and digitalization efforts) within the Commercial Credit Department. 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.

Qualifications

• Minimum 5-7 years' related experience in financial statements and dealer credit analysis.
• 0-2 years supervisory or leading large projects.
• Exposure to the automotive business environment is highly recommended, particularly if exposure was to some aspect of commercial credit activity.
• Bachelor's degree is required preferably in Finance, Accounting, Economics or related field preferred.
• Proven commercial credit and risk identification/mitigation skills in analytically challenging environment.
• 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.

WE TAKE CARE OF OUR PEOPLE

• 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
• Because great benefits help you thrive-personally and professionally.

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].