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 design requirements and implementation of the ALFA system from credit and underwriting perspectives, identifying best practices and potential friction points during the underwriting process.
• Create, validate, and monitor Commercial Finance reporting, data, and methods, providing overviews and recommendations to senior management to drive process improvements.
• Coordinate with funding, servicing, sales, and collection teams to enhance operational effectiveness, addressing 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.
• Ability to lead, motivate, and develop team members.
• Intermediate to advanced skills with Microsoft Office Suites, including Excel, Word, and Outlook.

Qualifications

• Proven track record with delivering seamless customer experiences.

Skills

• Commercial Credit/Review Process
• Commercial Underwriting
• Financial and Credit Analysis
• Compliance Laws
• Portfolio Management
• Relationship Building
• Operational Improvements
• Microsoft Office Suite Skills

Benefits

At HCA, we offer a comprehensive rewards package designed to support your health, financial wellbeing, and life outside of work. This includes:

• Competitive pay
• Vehicle benefits
• Flexible health coverage
• 401(k) with company match and immediate vesting
• Wellbeing programs
• Paid Volunteer Time Off
• Company donation to a charity of your choice