Sr. Commercial Portfolio Risk Associate

Hyundai Capital America; Irvine (CA); Hybrid; USD 120,000 - 170,000; Full time

Benefits offered by this job

Hybrid work arrangement

Vehicle allowance and discounts

Comprehensive health coverage

401(k) with company match

Life and disability insurance

Job summary

Hyundai Capital America seeks a Sr. Commercial Portfolio Risk Associate in Irvine to monitor dealer portfolio risk, tracking floorplan performance, collateral exposure, and aged inventory.

You will support risk mitigation efforts, review high‑risk accounts, and coordinate with internal teams to ensure timely action. The role requires strong knowledge of commercial credit, dealer operations, and risk documentation, with prior experience in risk assessment and reporting.

Qualifications

• 4–6 years of experience in automotive finance, commercial credit, floorplan lending, or related financial services.
• Experience reviewing dealer or commercial account activity, collateral exposure, and risk indicators.

Responsibilities

• Monitor dealer portfolio activity, including past due audits, floorplan interest, and aged inventory.
• Review high‑risk accounts and watch‑list dealerships for collateral position and credit exposure.
• Prepare summaries of review findings and support risk mitigation recommendations.
• Coordinate with dealers, risk partners, and portfolio analysts to ensure timely follow‑up and documentation.
• Support development and accuracy of commercial risk reporting and dashboards.

Skills

Commercial credit

Portfolio risk

Dealer operations

Credit documentation

Risk analysis

Data reporting

Stakeholder coordination

Excel

Education

Bachelor's degree in Business/Finance/Economics

Tools

Datascan

Wholesale Intelligence

Risk Gauge

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.

What You Will Do

The Sr. Commercial Portfolio Risk Associate is responsible for monitoring and supporting the management of commercial dealer portfolio risk, including floorplan performance, collateral exposure, aged inventory, overlines, financial reporting, and legal documentation. This role reviews assigned dealer account information, identifies emerging risk indicators, supports risk mitigation activities, and partners with internal stakeholders to ensure timely follow-up on portfolio risk action plans. The position applies working knowledge of commercial credit, dealer operations, and floorplan risk management to support sound risk decisions and protect company assets.

How You Will Make An Impact

• Dealer Portfolio Risk Monitoring and Follow-Up
• Monitor assigned dealer portfolio activity, including past due audits, monthly curtailments, floorplan interest, insurance premiums, vehicle overlines, and aged inventory.
• Identify account-level risk indicators and escalate potential exposure concerns, trends, or exceptions to Commercial Dealer Risk leadership.
• Coordinate with dealers, sales teams, Commercial Risk partners, and portfolio analysts to support timely resolution of risk action plan milestones.
• Track follow-up activities and ensure required documentation, payments, or corrective actions are completed in accordance with established timelines and risk procedures.
• Credit Review Support and Risk Assessment
• Perform periodic reviews of high-risk accounts and watch-list dealerships, including analysis of collateral position, financial statements, reporting trends, credit lines, UCC filings, insurance coverage, aged inventory, and overline exposure.
• Evaluate portfolio data and account documentation to identify current or emerging credit risk, operational risk, or collateral concerns.
• Prepare summaries of review findings and support recommendations for risk mitigation, account monitoring, or escalation.
• Maintain accurate review documentation to support portfolio oversight, audit readiness, and management reporting.
• Risk Documentation and Legal Coordination
• Support the preparation, review, and coordination of commercial risk documentation in partnership with HCA Legal and internal Commercial Risk stakeholders.
• Assist with documentation needed for dealer risk mitigation, collateral protection, credit line changes, or other account-level actions.
• Ensure required legal and risk documentation is complete, accurate, and aligned with established policies, procedures, and approval requirements.
• Commercial Risk Reporting and Data Support
• Support the development, maintenance, and accuracy of commercial operations and portfolio risk reporting.
• Compile and validate portfolio data related to account performance, risk trends, documentation status, overlines, aged inventory, and other risk indicators.
• Provide reporting updates and analysis to support management visibility into portfolio performance and emerging risk areas.

What You Will Bring To The Role

• Minimum 4–6 years of experience in automotive finance, commercial credit, floorplan lending, portfolio risk, credit operations, or a related financial services environment.
• Experience reviewing dealer or commercial account activity, collateral exposure, credit documentation, reporting, or portfolio risk indicators.
• Experience coordinating with internal stakeholders to support account follow-up, documentation, reporting, or risk action plan activities.

Preferred

• Prior experience in captive automotive finance, commercial dealer risk, wholesale finance, or floorplan portfolio support.
• Familiarity with financial statement review and commercial credit documentation.
• Experience using Datascan systems, including Wholesale Intelligence and Risk Gauge.
• Experience using Salesforce or similar workflow, portfolio, or customer relationship management systems.
• Bachelor’s degree in Business, Finance, Accounting, Economics, or a related field, or equivalent related work experience.
• Working knowledge of commercial credit, floorplan lending, dealer operations, and portfolio risk concepts.
• Ability to review financial statements, collateral data, credit documentation, aged inventory, overlines, and related risk indicators.
• Ability to identify account-level risk concerns, summarize findings, and escalate issues appropriately.
• Strong attention to detail with the ability to maintain accurate documentation, reporting, and follow-up tracking.
• Solid time management and prioritization skills with the ability to manage multiple accounts, deadlines, and stakeholder requests.
• Proficiency in Microsoft Office Suite, including Excel, Word, and Outlook.
• Familiarity with Crowe Navigator, Datascan, Wholesale Intelligence, Risk Gauge, Salesforce, or similar credit/risk systems preferred.
• Strong written and verbal communication skills with the ability to work effectively with internal stakeholders, dealers, and business partners.

WE TAKE CARE OF OUR PEOPLE

At HCA, our people drive our success. That’s why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing—at work and beyond.

Benefits Highlights

• 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

What Happens Next

Because great benefits help you thrive—personally and professionally.

Information about this role has been refined to remove application steps. For more information on our culture, visit our careers page.

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.