Commercial Credit Analyst

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.

The Associate, Commercial Credit Analyst is required to operate as a self-contained credit unit within the Commercial Credit Department. The associates will perform and coordinate comprehensive credit, collateral and economic reviews of all financing proposals and exercises decision‑making responsibility for coordinating the proper documenting of transactions.

• Complete periodic reviews in the required scheduled formats; CCAP, Risk Based Review or Automated Review.
• Complete assigned dealer monthly reviews with recommendations to minimize the number of Watch List dealers.
• Complete applicable tasks on the liquidation checklist after floorplan payoffs.
• Review overline/aging and interface with Sales to determine causal factors and obtain plan to reduce.
• Review floorplan insurance policies for proper coverage and compliance.
• Collect on excessive audit exceptions (SIV/FIV), principal & interest payments (10th business day of month) and curtailments (last business day of the month). Monitor and follow-up on reported duplicate financed vehicles.
• Participate in any other assigned duties as requested including processing new requests as needed.

• 5 years of automotive finance credit analysis experience required. Knowledge of financial statements preferred
• College Degree in Business or related field
• This position will require the development of credit and financial skills in an analytically challenging environment.
• Good time management, prioritization skills, and high attention to detail.
• Proficient in Word, Excel and Outlook.
• Strong written and verbal communication skills.
• Possess a high level of subject matter expertise in all areas supported.
• Team oriented, strong interpersonal skills.

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.

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