Sr. Manager, Commercial Credit
Hyundai Capital America
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Benefits offered by this job
Job summary
Hyundai Capital America oversees financing solutions for a nationwide customer base and seeks a Sr. Manager, Commercial Credit to oversee originations, underwriting, documentation and funding.
This leadership role includes annual reviews, portfolio management, and credit authority under policy, with a focus on developing a high-performing team in Irvine, CA. The candidate will lead structuring, risk assessment, and decision-making, mentored by leadership to drive growth while upholding credit
Qualifications
- Minimum 8 years’ related experience in bank or captive commercial automotive lending.
- Prior automotive underwriting and risk management experience preferred.
- Minimum 3 years supervisory experience.
- Bachelor’s degree in Finance, Business Administration, Economics or related discipline.
- Advanced degree a plus.
Responsibilities
- Deal Structure & Underwriting: establish credit structure and identify exceptions to policies.
- Review due diligence items submitted by field sales and identify deficiencies for correction.
- Review submitted Commercial Credit requests prior to assigning to a Sr. Commercial Credit Analyst.
- Manage the workflow of new requests assignments.
- Review the accuracy of all underwriting completed by the analyst.
- Make credit recommendations for all requests.
- Make credit decisions for applicable credit exposure as per policy.
- Annual Reviews: assist underwriting and assign reviews; make recommendations.
- Documentation & Funding: ensure all approved loan products are properly documented; oversee funding.
- Portfolio Management (first 6 months): establish new customers in systems and oversee dealer portfolio management.
- Lead, mentor, and develop team members with direction and feedback.
Skills
Education
Tools
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.
The Sr. Manager, Commercial Credit oversees all aspects of the originations process, including deal structure, underwriting, documentation and funding. In addition, this role is responsible for the annual reviews and renewals, as well as the ongoing account management process. This role has credit approval authority as defined by the Dealer Finance – Commercial Credit Authority Policy.
- Deal Structure & Underwriting:
- Work in conjunction with field sales management to establish acceptable credit structure and identify exceptions to credit origination and credit authority policies.
- Review all due diligence items submitted by field sales and identify deficiencies for correction.
- Review submitted Commercial Credit request prior to assigning it to a Sr. Commercial Credit Analyst.
- Manage the workflow of new requests assignments.
- Review the accuracy of all underwiring completed by the analyst
- Make credit recommendations for all requests.
- Make credit decisions for applicable credit exposure as outlined in the Dealer Finance – Commercial Credit Authority Policy.
- Annual Reviews:
- Assist the Commercial Credit Portfolio Team with the underwriting process of annual reviews by assigning reviews to team members, reviewing underwriting, and making recommendations and/or decisions where applicable.
- Documentation & Funding:
- Ensure all approved loan products are properly documented
- Oversee the funding process of new loan products
- Portfolio Management (first 6 months on books):
- Establish new customers in systems for ongoing dealer management
- Oversee all aspects of portfolio management (Dealer Monthly Review, Overline Management, etc.)
- 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
- Minimum 8 years’ related experience in bank or captive commercial automotive lending.
- Prior automotive underwriting and risk management experience preferred.
- Minimum 3 years supervisory experience
- Bachelor’s degree in Finance, Business Administration, Economics or related discipline.
- Advanced degree a plus.
- Possess a high level of subject matter expertise in dealership operations and financial statements.
- Excellent understanding of factors that impact the auto business and dealer profitability.
- Familiarity to loan policies and procedures.
- 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.
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.
- 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
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 as 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 Privacy2@hcs.com.
United States-California-Irvine
Headquarters 1
Underwriting Op.
Regular
Exempt
Full-time
$144,000.00
$223,200.00
Jul 29, 2026
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