Manager, Commercial Credit Portfolio Management

Job Description - Manager, Commercial Credit Portfolio Management (260000OR) Job Description Manager, Commercial Credit Portfolio Management - ( 260000OR ) Description 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 Manager, Commercial Credit Portfolio Management is responsible for leading a team of Credit Analyst, daily servicing, commercial credit lending authority and managing the risk and exposure for an assigned portfolio under Commercial Credit Department leadership. This role is directly responsible for the annual reviews and renewals, as well as the ongoing account management process. In addition, this role will work directly with the Field Sales team, Regional Operations Managers and Directors to resolve underwriting issues. HOW YOU WILL MAKE AN IMPACT Maintain periodic reviews and inspections of collateral, documentation, reporting, and financial statements to identify current and/or early detection of company risk including, but not limited to, management/oversight of UCC’s, Insurance, credit lines, and aged inventory. Manage assigned analyst work prior to submission to Director for review. Includes new requests, interim requests and periodic reviews. Frequent and direct interaction with sales team (Business Development Managers, Regional Operations Managers and Field Sales Directors), regarding issues determined during the underwriting process for annual reviews and interim requests. Direct interaction with dealer principals and dealership majority owners and staff to facilitate the underwriting process. Commercial Credit lending authority for new requests as needed and reviews/interim requests, with lending approval authority of up to $15 million for floorplan financing and up to $1 million for working capital loans. Use authority to make decisions on requests and accounts, representing approximately 20% of the Commercial portfolio. Participate in assigned strategic projects and initiatives (including but not limited to mobility, data, and digitalization efforts) within the Commercial Credit Department. 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. Qualifications WHAT YOU WILL BRING TO THE ROLE Minimum 5-7 years’ related experience in financial statements and dealer credit analysis. 0-2 years supervisory or leading large projects. Exposure to the automotive business environment is highly recommended, particularly if exposure was to some aspect of commercial credit activity. Bachelor’s degree is required preferably in Finance, Accounting, Economics or related field preferred. Proven commercial credit and risk identification/mitigation skills in analytically challenging environment. Proficient in Microsoft Office Suite (Word, Excel, PowerPoint, Outlook). Ability to successfully manage, train, develop and mentor direct reports. Strong written and verbal communication skills including ability to present to leadership. Strong interpersonal skills to work in a team environment and build relationships with internal and external stakeholders. WE TAKE CARE OF OUR PEOPLE At HCA, our people drive our success. That’s why we offer a competitive rewards package that supports your health, financial future, and overall wellbeing—at work and beyond. Benefits Highlights Hybrid flexibility – 4 days in office, 1 day remote Vehicle perks – monthly vehicle allowance plus purchase and lease discounts Comprehensive health coverage – medical, dental, and vision plans Employer-funded HSA contributions to help reduce healthcare costs 401(k) with company match and immediate vesting from day one 100% company-paid life and disability insurance Wellbeing benefits including fitness and health resources Leadership programs and career development that support continuous learning Paid Volunteer Time Off and a company charitable donation in your honor Because great benefits help you thrive—personally and professionally. 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 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 . Primary Location : United States-California-Irvine Work Locations : Headquarters 1 3161 Michelson Dr. Ste 1900 Irvine 92612 Job : Commercial Underwriting Job Type : Regular Overtime Status : Exempt Schedule : Full-time Minimum Salary: $ 112,000.00 Maximum Salary: $ 173,600.00 Job Posting : Sep 9, 2026