Credit Analyst
Credit Analyst
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Job Description
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 HCAs 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 HCAs KPIs. 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 Cs 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 SLAs. 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 dealers 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.
What You Will Bring
Minimum 1-year automotive finance experience (Desirable)
Experience with Collections Funding Dealer Services Lease end or Customer Service (Desirable)
Auto finance or related background is preferred
2 years of experience in fast paced office environment
Experience with Dealer operations or Sales (Desirable)
High school graduate (GED) College Degree preferred
Strong verbal written and interpersonal skills
Analytical with high attention to detail Self- starter with excellent time management skills
Well versed on company product offerings reporting and measurement systems
Ability to negotiate influence and collaborate both with customers and associates
Work Environment
Employees in this class are subject to extended periods of sitting standing and walking and using a computer. Work is performed in an office environment. This position requires flexibility with schedule to include weekends evenings and holidays.
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.
California Privacy Notice
This notice only applies to our applicants who reside in the State of California.
If you have any questions about CCPA regarding California residents or HCA team members please contact the Privacy Team at .
Required Experience:
IC
Employment Type
Full-Time
