Manager, Commercial Credit
Hyundai Capital America

Atlanta, Georgia

Posted in Financial Services

This job has expired.

Job Info


Who We Are: Through our service brands Hyundai Motor Finance, Genesis Finance*, and Kia Motors Finance, we provide financial products tailored to meet the needs of Hyundai, Genesis, and Kia dealerships nationwide, including dealer inventory and facility financing. And, through these dealerships, we provide indirect vehicle financing and leasing solutions to over 1.7 million retail customers.

Employee Value Prop and Culture: Our employees contribute every day to a culture that is fast-paced, dynamic, energized, agile, and collaborative.

From our various engagement programs to the unique design of our offices, we strive to foster a connected, fun, positive and rewarding company culture where employees feel appreciated for their contributions, proud of their company, and thrive to be passionately invested in HCA's success.

Global One Company:

Many countries. One identity. Hyundai Capital has offices across the world, including China, Canada, the United Kingdom, Germany, Russia, Brazil and Korea. Our work environments are designed with specific themes in mind to achieve a consistent global identity that reflects our values: light, collaboration, elements of nature and symmetry.

General Summary:

The Manager, Commercial Credit - Underwriting manages all aspects of the originations underwriting process, including deal structure, pricing, scoring, real estate, etc. The Manager is also responsible for the annual reviews and renewals, as well as the ongoing account management process. The Manager has authority to decision Commercial Credit requests and renewals as delegated. This position works directly with the Sales team Regional Operations Managers and Directors; and also leads, manages and develops a team of assigned credit analysts. This position is responsible for assisting with the watch process including management of high exposure accounts as assigned.

Duties and Responsibilities:

1. Manage the front-end Commercial Credit file and financial analysis review process. Manage assigned analyst work prior to submission to Director for review. Includes new requests, interim requests and periodic reviews. Responsible for review & analysis of all electronic book audits as scheduled.

2. Use sound judgment in providing decisions on requests/renewals under current Commercial Credit Authority Policy.

3. Assist with the Dealer Monthly Review process between Commercial Credit and Sales teams for "watch" category (substandard and trouble) dealers. Manage default accounts through liquidation as assigned. Management may include inspection of collateral for problem dealers or being placed on site to protect HCA collateral. Perform or coordinate dealership book reviews as necessary and provide reporting and recommendations based on reviews. Coordinate with in-house and outside legal counsel on all accounts requiring legal interaction.

4. Frequent and direct interaction with Sales team (Business Development Managers, Regional Operations Managers and Sales Directors), regarding: A) structuring of new deals B) issues determined during the underwriting process and C) interim requests. Direct interaction with dealer principals and dealership majority owners and staff to facilitate the underwriting/structuring of Commercial Credit files/requests, including some accounts with $100mil+ total exposure.

5. Responsible for working directly with Sales team (Regional Operations Managers and Directors) to ensure transactional pricing is accurate and sufficient to meet established ROA targets. Validate pricing files submitted by Sales accurately reflect transaction terms and risk ratings. Work with Sales to restructure transactions that do not meet ROA floor/targets due to risk issues/ratings. Support Sales team to develop custom pricing on transactions with non-standard terms. Provide rationale and support on transactions that require ROA exceptions.

6. Responsible for leading the take-out/acquisition process for funding new business, including real estate and working capital loans. Additionally, the Manager is responsible for the post funding documentation review, including quality control due diligence in conjunction with Commercial Risk.

7. The Manager is responsible for leading and structuring real estate originations requests and working closely with the real estate manager up to and through closing.

8. Support B2B mobility and digital/data initiatives and products, including initial structuring and subsequent underwriting as required (examples: track lease, subscription, ride-share, service loaners).

9. Effectively coach, counsel and develop staff on a daily basis as well as in the annual and mid-year PER process. Utilize the diverse talents of the staff by efficiently managing staff's time, materials and budget while focusing on goals and vision of HCA.

Knowledge and Skills:

• Possess a high level of subject matter expertise in dealership ops and financial statements

• Excellent understanding of factors that impact the auto business & dealer profitability

• Exposure to loan policies and procedures

• Proficient in MS Word, Excel, PowerPoint, Outlook and MS Office products

• Previous management experience including the ability to train and develop employees

• Strong written and verbal communication skills; ability to present to all levels of management

• Team oriented, strong interpersonal skills


• 10+ years of related experience in bank or captive commercial automotive lending. Prior automotive underwriting and risk management experience preferred.

• Bachelor's degree required (Finance, B.A. or Economics); Master's degree or MBA preferred.

Physical Requirements and Working Condition:

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 an office environment.

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 amended 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

This job has expired.

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