Job Details

Who We Are

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 2 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 the following benefits:

· Medical, Dental and Vision plans that include no-cost and low-cost plan options

· Immediate 401(k) matching and vesting

· Vehicle purchase and lease discounts plus monthly vehicle allowances

· Paid Volunteer Time Off with company donation to a charity of your choice

· Tuition reimbursement

What to Expect

The Associate, Consumer Credit is responsible for underwriting consumer applications from Hyundai, Kia and Genesis Dealers. This position is responsible for making credit decisions that meet acceptable underwriting standards within HCA's policies and procedures as well as adhering to all State and Federal regulatory compliance. All Credit Analyst responsibilities should be handled in an expeditious manner per HCA's KPI's. This position requires flexibility and ability to adapt to a multi-functional departmental structure. All positions within the Operations Division are expected to collaborate cross-divisionally to achieve a seamless customer experience; this includes supporting other departments as necessary to meet the business need.

What You Will Do

1. Analyze information from credit applications utilizing the four C's of credit to make sound credit decisions based on appropriate authority level, while effectively negotiating the terms and conditions of loan decisions via dealer phone calls or electronic rehash.

2. Balance the demands of Production, Sales Support, Risk, and Quality Assessments while maintaining established SLA's. Participate in team meetings and Calibrations to communicate, share trends, review Policies & Procedures and team goals.

3. Follow up for approvals and pending contracts to increase capture rate and monitor dealer's portfolio. Be well versed in eContract and eRehash processes. Conduct Customer Interviews and investigations when needed to facilitate in credit decisions or assist in the funding process. Coach and assist dealers to resolve funding issues and reduce unclean contracts.

4. Performance Coaching: Actively participate in coaching and development sessions/trainings to co-create solutions that enhance individual performance and overall department/team performance.

5. Perform all other duties as assigned.