Manager, Commercial Credit Portfolio Management
Hyundai Capital America, Irvine, California, United States, 92713
Overview
Hyundai Capital America (HCA) 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 are committed to growing, innovating, and diversifying, reimagining the customer and dealer experience, and launching new products that broaden our market reach. We strive to support our team members through skill development and career advancement. HCA is an Equal Opportunity Employer committed to creating a diverse and inclusive culture. We are a values-driven company supporting internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. We aim to be a leader in financing freedom of movement.
We Take Care of Our People
In addition to competitive pay, as an employee of HCA you are eligible for:
Medical, dental, and vision plans with no-cost and low-cost options
Annual employer HSA contribution
401(k) matching and immediate vesting
Vehicle purchase and lease discounts, plus monthly vehicle allowances by job level:
Associate / Sr. Associate: $350
Manager / Sr. Manager: $600
Director: $800
Executive Director: $900
VP or Above: $1,000
100% employer-paid life and disability insurance
No-cost health and wellbeing programs, including a gym benefit
Six weeks of paid parental leave
Paid Volunteer Time Off, plus a company donation to a charity of your choice
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 risk and exposure for an assigned portfolio under Commercial Credit Department leadership. This role oversees annual reviews and renewals, and the ongoing account management process. It 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. 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 and interim reviews. Directly engage dealer principals and dealership owners and staff to facilitate underwriting.
Apply commercial credit lending authority for new and interim requests, with lending approval authority up to $15 million for floorplan financing and up to $1 million for working capital loans. This authority represents approximately 20% of the Commercial portfolio.
Participate in assigned strategic projects and initiatives (including mobility, data, and digitalization) 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.
What You Will Bring 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 in commercial credit activities
Bachelor’s degree 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
Work Environment
Employees in this class are subject to extended periods of sitting, standing, and walking, with vision to monitor and moderate noise levels. Work is performed in a home and office environment.
Salary and Benefits
The posted salary range takes into account factors including skill sets, experience, training, licensure and certifications, geographic location, and other business needs. Successful candidates may be hired anywhere in the salary range. It is uncommon to hire candidates at or near the top of the range.
Primary Location:
United States-California-Irvine
Work Locations:
Headquarters 1
Job:
Underwriting Op.
Job Type:
Regular
Overtime Status:
Exempt
Schedule:
Full-time
Minimum Salary:
112,000.00
Maximum Salary:
173,600.00
Job Posting:
Jan 27, 2026
#J-18808-Ljbffr
Hyundai Capital America (HCA) 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 are committed to growing, innovating, and diversifying, reimagining the customer and dealer experience, and launching new products that broaden our market reach. We strive to support our team members through skill development and career advancement. HCA is an Equal Opportunity Employer committed to creating a diverse and inclusive culture. We are a values-driven company supporting internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. We aim to be a leader in financing freedom of movement.
We Take Care of Our People
In addition to competitive pay, as an employee of HCA you are eligible for:
Medical, dental, and vision plans with no-cost and low-cost options
Annual employer HSA contribution
401(k) matching and immediate vesting
Vehicle purchase and lease discounts, plus monthly vehicle allowances by job level:
Associate / Sr. Associate: $350
Manager / Sr. Manager: $600
Director: $800
Executive Director: $900
VP or Above: $1,000
100% employer-paid life and disability insurance
No-cost health and wellbeing programs, including a gym benefit
Six weeks of paid parental leave
Paid Volunteer Time Off, plus a company donation to a charity of your choice
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 risk and exposure for an assigned portfolio under Commercial Credit Department leadership. This role oversees annual reviews and renewals, and the ongoing account management process. It 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. 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 and interim reviews. Directly engage dealer principals and dealership owners and staff to facilitate underwriting.
Apply commercial credit lending authority for new and interim requests, with lending approval authority up to $15 million for floorplan financing and up to $1 million for working capital loans. This authority represents approximately 20% of the Commercial portfolio.
Participate in assigned strategic projects and initiatives (including mobility, data, and digitalization) 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.
What You Will Bring 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 in commercial credit activities
Bachelor’s degree 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
Work Environment
Employees in this class are subject to extended periods of sitting, standing, and walking, with vision to monitor and moderate noise levels. Work is performed in a home and office environment.
Salary and Benefits
The posted salary range takes into account factors including skill sets, experience, training, licensure and certifications, geographic location, and other business needs. Successful candidates may be hired anywhere in the salary range. It is uncommon to hire candidates at or near the top of the range.
Primary Location:
United States-California-Irvine
Work Locations:
Headquarters 1
Job:
Underwriting Op.
Job Type:
Regular
Overtime Status:
Exempt
Schedule:
Full-time
Minimum Salary:
112,000.00
Maximum Salary:
173,600.00
Job Posting:
Jan 27, 2026
#J-18808-Ljbffr