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 operates as a self-contained credit unit within the Commercial Credit & Operations Department. Reporting to the Sr. Manager, Commercial Credit, this role performs and coordinates comprehensive credit, collateral, and economic reviews of all financing proposals.

HOW YOU WILL MAKE AN IMPACT

• Review incoming credit requests for completeness and partner with Sales and dealers to resolve deficiencies and financial statement questions.

• Ensure financial statements and adjustments are accurately reported in Crowe Navigator and complete quality underwriting packages within established time frames.

• Provide Legal with accurate information for document preparation and review term sheets and loan documents for accuracy and proper execution.

• Oversee the funding process for new flooring lines and loans, ensuring they are accurately established in all required systems.

• Assist the Commercial Portfolio Team with annual reviews, monthly dealer reviews, financial statement entry, audit issues, and insurance follow-up.

• Contribute to Commercial Credit initiatives and process improvements.

WHAT YOU WILL BRING TO THE ROLE

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

• Knowledge of financial statements preferred.

• Bachelor’s degree in Business or related field.

• Ability to develop credit and financial skills in an analytically challenging environment.

• Solid time management and prioritization skills, high attention to detail, and the ability to multitask.

• Proficiency in Microsoft Office Suite, including Word, Excel, and Outlook.

• Strong written and verbal communication skills.

• High level of subject matter expertise in all areas supported.

• Team-oriented with strong interpersonal skills.

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 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.