Senior Manager, Dealer Credit Examiner

Senior Manager, Dealer Credit Examiner

Through our service brands Hyundai Motor Finance, Genesis Finance, and Kia Finance, Hyundai Capital America offers a wide range of financial products tailored to meet the needs of Hyundai, Genesis, and Kia customers and dealerships. We provide vehicle financing, leasing, subscription, and insurance solutions to over 3 million consumers and businesses. Embodying our commitment to grow, innovate, and diversify, we strive to reimagine the customer and dealer experience and launch innovative new products that broaden our market reach. We believe that success comes from within and are proud to support our team members through skill development and career advancement. Hyundai Capital America is an Equal Opportunity Employer committed to creating a diverse and inclusive culture for our workforce. We are a values-driven company dedicated to supporting both internal and external communities through volunteering, philanthropy, and the empowerment of our Employee Resource Groups. Together, we strive to be the leader in financing freedom of movement. We Take Care of Our People Along with competitive pay, as an employee of HCA, you are eligible for: Medical, dental, and vision plans with no-cost and low-cost options Annual employer HSA contribution 401(k) matching and immediate vesting Vehicle purchase and lease discounts, plus monthly vehicle allowances by job level: Associate / Sr. Associate: $350 Manager / Sr. Manager: $600 Director: $800 Executive Director: $900 VP or Above: $1,000 100% employer-paid life and disability insurance No-cost health and wellbeing programs, including a gym benefit Six weeks of paid parental leave Paid Volunteer Time Off, plus a company donation to a charity of your choice What To Expect We're seeking a senior credit risk professional to conduct independent, on-site financial reviews of automobile dealerships nationwide. In this role, you'll travel extensively across the U.S. to assess dealer cash flow, liquidity, working capital, and overall financial condition through hands on reviews of books, records, and bank activity. Your work will support both new loan originations and existing credit relationships by providing clear, objective financial insight to Commercial Risk and Credit leadershipwhile remaining independent of underwriting and approval decisions. This is a highly visible role for candidates who enjoy field-based analysis, travel, and applying sound judgment to complex credit and risk situations. You'll play a key part in safeguarding portfolio quality, supporting criticized asset decisions, and strengthening overall credit risk governance. What You Will Do Conduct on-site financial reviews of new and existing commercial borrowers Review books, records, accounting systems, and bank activity for accuracy and reliability Analyze cash flow, liquidity, and working capital Perform bank reconciliations and assess true available cash Identify financial weaknesses, trends, and risk indicators Recommend financial statement and working capital adjustments Prepare concise field examination and credit review reports Support risk grading, watchlist/criticized asset decisions Provide independent financial analysis for workouts, restructurings, and special situations Partner with Commercial Risk, Credit, and Legal while maintaining second-line independence Qualifications What You Will Bring 8+ years of commercial credit, financial analysis, field exams, or risk oversight in Dealer Financial Services, Commercial Banking, Commercial Credit Review or Forensic Accounting Bachelor's degree in Accounting, Finance or related field CPA, CFE or CFA a plus Deep understanding of cash flow, liquidity, and working capital Strong experience with Credit risk grading frameworks Comfortable conducting borrower on-site reviews Clear, confident communicator with strong judgment Ability to engage with senior leadership and borrower management teams Experience with criticized assets or special situations a plus Ability to travel and conduct assessments on site at dealer locations Work Environment Employees in this class are subject to extended periods of sitting, standing, and walking, vision to monitor and moderate noise levels. Work is performed in an at home and office environment. The posted salary range for this job takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; geographic location, and other business and organizational needs. Successful candidates may be hired anywhere in the salary range based on these factors. It is uncommon to hire candidates at or near the top of the range. Primary Location United States-California-Irvine Work Locations Headquarters 1 3161 Michelson Dr. Ste 1900 Irvine 92612 Job Commercial Risk Job Type Regular Overtime Status Exempt Schedule Full-time Minimum Salary: $132,000.00 Maximum Salary: $204,600.00