Sr. Commercial Credit Analyst

About the role

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.

Responsibilities

• Operate as a self-contained credit unit within the Commercial Credit & Operations Department.
• Perform and coordinate comprehensive credit, collateral, and economic reviews of all financing proposals.
• Interface with Sales for any deficiencies.
• Interface with Sales/Dealer regarding financial statement questions.
• Ensure statements and adjustments are accurately reported in Crowe Navigator.
• Complete quality underwriting package within established time frame.
• Provide Legal with accurate information for document prep.
• Review terms sheets and loan documents for accuracy and proper execution.
• Oversee the funding process of new flooring lines and/or loans.
• Ensure new lines/loans are accurately established in all required systems.
• Assist the Commercial Portfolio Team as needed/directed with annual reviews, monthly dealer reviews, financial statement entry, audit issues, and/or insurance follow up.
• Contribute to Commercial Credit initiatives and process improvements.

Requirements

• Minimum 4-6 years of automotive finance credit analysis experience required.
• Knowledge of financial statements preferred.
• Bachelor’s degree in Business or related field.

Qualifications

• Solid time management, prioritization skills, and high attention to detail.
• Proficient in Microsoft Office Suite including Word, Excel and Outlook.
• Strong written and verbal communication skills.
• Possess a high level of subject matter expertise in all areas supported.

Benefits

We take care of our people at HCA. Our comprehensive rewards package includes vehicle benefits, flexible health coverage, 401(k) with company match, and more. Learn more about benefits at HCA!