Manager, Commercial Credit Portfolio Management
Hyundai Capital, Irvine, California, United States, 92713
Overview
Hyundai Capital America offers a wide range of financial products for Hyundai, Genesis, and Kia customers and dealerships, including vehicle financing, leasing, subscription, and insurance solutions to over 3 million consumers and businesses. We strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture.
We take care of our people with competitive pay and comprehensive benefits, including medical, dental, vision, employer HSA contributions, 401(k) matching, vehicle purchase and lease discounts, life and disability insurance, wellness programs, paid parental leave, and volunteer time off with company donations to charity of choice.
We emphasize development and career advancement and support employee growth through volunteering, philanthropy, and the empowerment of Employee Resource Groups.
What to Expect The Manager, Commercial Credit Portfolio Management is responsible for leading a team of Credit Analysts, daily servicing, commercial credit lending authority, and managing the risk and exposure for an assigned portfolio under Commercial Credit Department leadership. This role handles annual reviews and renewals, ongoing account management, and collaborates with the Field Sales team, Regional Operations Managers, and Directors to resolve underwriting issues.
What You Will Do
Maintain periodic reviews and inspections of collateral, documentation, reporting, and financial statements to identify current and/or early detection of company risk, including management/oversight of UCCs, insurance, credit lines, and aged inventory. Manage assigned analyst work prior to submission to Director for review, including new requests, interim requests, and periodic reviews.
Interact frequently with the sales team (Business Development Managers, Regional Operations Managers, and Field Sales Directors) regarding issues identified during underwriting for annual reviews and interim requests. Interact directly with dealer principals and dealership owners and staff to facilitate the underwriting process.
Exercise commercial credit lending authority for new requests as needed and for reviews/interim requests, with lending approval authority up to $15 million for floorplan financing and up to $1 million for working capital loans. Make decisions on requests and accounts, representing approximately 20% of the Commercial portfolio.
Participate in assigned strategic projects and initiatives (including 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 What You Will Bring
Minimum 5-7 years of 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.
Proven commercial credit and risk identification/mitigation skills in analytically challenging environments.
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 the ability to present to leadership.
Strong interpersonal skills to work in a team environment and build relationships with internal and external stakeholders.
Employees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in a home and office environment.
The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including skill sets, experience and training, licensure and certifications, geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range.
This notice applies to applicants in the State of California.
The latest version of our Privacy Policy can be found here. This Privacy Policy provides notice about the categories of personal information collected and used, and whether that information is sold or shared, so that you can exercise control over our use of your personal information in compliance with the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).
If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs.com.
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We take care of our people with competitive pay and comprehensive benefits, including medical, dental, vision, employer HSA contributions, 401(k) matching, vehicle purchase and lease discounts, life and disability insurance, wellness programs, paid parental leave, and volunteer time off with company donations to charity of choice.
We emphasize development and career advancement and support employee growth through volunteering, philanthropy, and the empowerment of Employee Resource Groups.
What to Expect The Manager, Commercial Credit Portfolio Management is responsible for leading a team of Credit Analysts, daily servicing, commercial credit lending authority, and managing the risk and exposure for an assigned portfolio under Commercial Credit Department leadership. This role handles annual reviews and renewals, ongoing account management, and collaborates with the Field Sales team, Regional Operations Managers, and Directors to resolve underwriting issues.
What You Will Do
Maintain periodic reviews and inspections of collateral, documentation, reporting, and financial statements to identify current and/or early detection of company risk, including management/oversight of UCCs, insurance, credit lines, and aged inventory. Manage assigned analyst work prior to submission to Director for review, including new requests, interim requests, and periodic reviews.
Interact frequently with the sales team (Business Development Managers, Regional Operations Managers, and Field Sales Directors) regarding issues identified during underwriting for annual reviews and interim requests. Interact directly with dealer principals and dealership owners and staff to facilitate the underwriting process.
Exercise commercial credit lending authority for new requests as needed and for reviews/interim requests, with lending approval authority up to $15 million for floorplan financing and up to $1 million for working capital loans. Make decisions on requests and accounts, representing approximately 20% of the Commercial portfolio.
Participate in assigned strategic projects and initiatives (including 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 What You Will Bring
Minimum 5-7 years of 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.
Proven commercial credit and risk identification/mitigation skills in analytically challenging environments.
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 the ability to present to leadership.
Strong interpersonal skills to work in a team environment and build relationships with internal and external stakeholders.
Employees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in a home and office environment.
The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including skill sets, experience and training, licensure and certifications, geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range.
This notice applies to applicants in the State of California.
The latest version of our Privacy Policy can be found here. This Privacy Policy provides notice about the categories of personal information collected and used, and whether that information is sold or shared, so that you can exercise control over our use of your personal information in compliance with the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).
If you have any questions about CCPA regarding California residents or HCA team members, please contact the Privacy Team at Privacy2@hcs.com.
#J-18808-Ljbffr