Sr. Manager, Commercial Underwriting

About the role

The Sr. Manager, Commercial Underwriting leads and manages the Underwriting team within the Commercial Finance Operations department. This role provides operations leadership and subject matter expertise in system enhancements, quality controls, reporting, and policy and procedures within Commercial Finance Operations Underwriting.

Responsibilities

• Oversee, establish, and define clear credit and underwriting priorities of various Mobility products including but not limited to products originating from Commercial Vehicle Finance, Subscription, Fleet, Truck, Trailer and B2B/OEM Equipment finance requests.
• Support the design requirements and implementation of the ALFA system from credit and underwriting perspectives. Identify best practices and potential friction points during the underwriting process.
• Create, validate, and monitor Commercial Finance reporting, data, and methods and provide overviews and recommendations to senior management to drive process improvements.
• Coordinate with funding, servicing, sales, and collection teams to enhance operational effectiveness including process gaps, associate training, dealer training needs, and communication.
• 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.

Requirements

• Minimum 8 years progressive Commercial Operations experience, including Commercial Mobility, Vehicle and Equipment underwriting.
• Minimum 3 years supervisory experience.
• Truck and trailer financing experience a plus.
• Daybreak and/or ALFA knowledge a plus.
• Bachelor’s degree or equivalent experience required.
• Thorough knowledge of the commercial credit/review process, commercial underwriting, and financial and credit analysis.
• Working knowledge of compliance laws as related to commercial vehicle lending, contracting, and funding.
• Portfolio management skills, including regular covenant reviews and managing draw requests.
• Relationship building skills with both internal and external customers.
• Ability to implement continuous operational improvements and new system.
• Intermediate to advanced skills with Microsoft Office Suites, including Excel, Word, and Outlook.
• Prioritization and problem-solving skills.

Qualifications

• Intermediate to advanced skills with Microsoft Office Suites, including Excel, Word, and Outlook.
• Strong analytical and problem-solving skills.
• Excellent communication and interpersonal skills.
• Ability to manage multiple tasks and projects simultaneously.
• Experience with credit and underwriting processes.
• Knowledge of compliance laws and regulations.

Skills

• Commercial Underwriting
• System Enhancements
• Quality Controls
• Reporting
• Policy and Procedures
• Dealer Relationships
• Team Leadership
• Process Improvement
• Microsoft Office Suite

Benefits

At HCA, we offer a comprehensive rewards package designed to support your health, financial wellbeing, and life outside of work. In addition to competitive pay, our benefits include:

• Hybrid work schedule offering 4 on-site days and 1 remote day per week.
• Vehicle benefits designed around your role, including monthly allowances and purchase and lease discounts.
• Flexible health coverage with medical, dental, and vision plans, including no cost and low-cost options.
• Average 401(k) with company match and immediate vesting, so you can start building your future from day one.
• 100% company-paid life and disability insurance for added peace of mind.
• Wellbeing programs at no cost to you, including gym benefits and health resources.
• Generous parental leave to support growing families.
• Paid Volunteer Time Off, plus a company donation to a charity of your choice.