Sr. 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.

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. Apply today.

WHAT YOU WILL DO

The Sr. Commercial Credit Analyst is required to operate as a self-contained credit unit within the Commercial Credit & Operations Department. This role will perform and coordinate comprehensive credit, collateral and economic reviews of all financing proposals.

HOW YOU WILL MAKE AN IMPACT

1. Review incoming requests for completeness and 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

2. 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.

3. Assist the Commercial Portfolio Team as needed/directed with annual reviews, monthly dealer reviews, financial statement entry, audit issues and/or insurance follow up.

4. Contribute to Commercial Credit initiatives and process improvements.

WHAT YOU WILL BRING TO THE ROLE

• Minimum 4-6 years of automotive finance credit analysis experience required.

• Knowledge of financial statements preferred

• Bachelor’s degree in Business or related field.

• This position will require the development of credit and financial skills in an analytically challenging environment.

• 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.

WE TAKE CARE OF OUR PEOPLE

At HCA, we know our success starts with our people. We offer a comprehensive rewards package designed to support your health, financial wellbeing, and life outside of work — so you can bring your best every day.

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

• Annual employer HSA contribution to help offset healthcare expenses

• 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

At HCA, our benefits are more than perks — they’re part of our commitment to supporting you at work and in life. Learn more about benefits at HCA!

WHAT HAPPENS NEXT

Express your interest by submitting an application. Once your application is received, our recruiting team will review your application to see if you meet the basic and preferred qualifications listed on the job description. For more information on our culture, visit our careers page.

OTHER DETAILS

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.

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 Privacy2@hcs.com.