Sr. Commercial Portfolio Risk Associate
Job Location:
Irvine, CA - USA
Monthly Salary:
Posted:
Application Deadline:
Vacancies:
Job Summary
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.
Were a company driven by growth innovation and people. At HCA youll find opportunities to build new skills expand your career and make a real impactwhile working in a diverse inclusive and valuesdriven environment. Were proud to support our communities through volunteerism philanthropy and engaged Employee Resource Groups.
If youre looking for a fastpaced 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 Portfolio Risk Associate is responsible for monitoring and supporting the management of commercial dealer portfolio risk including floorplan performance collateral exposure aged inventory overlines financial reporting and legal documentation. This role reviews assigned dealer account information identifies emerging risk indicators supports risk mitigation activities and partners with internal stakeholders to ensure timely follow-up on portfolio risk action plans. The position applies working knowledge of commercial credit dealer operations and floorplan risk management to support sound risk decisions and protect company assets.
HOW YOU WILL MAKE AN IMPACT
1. Dealer Portfolio Risk Monitoring and Follow-Up
Monitor assigned dealer portfolio activity including past due audits monthly curtailments floorplan interest insurance premiums vehicle overlines and aged inventory.
Identify account-level risk indicators and escalate potential exposure concerns trends or exceptions to Commercial Dealer Risk leadership.
Coordinate with dealers sales teams Commercial Risk partners and portfolio analysts to support timely resolution of risk action plan milestones.
Track follow-up activities and ensure required documentation payments or corrective actions are completed in accordance with established timelines and risk procedures.
2. Credit Review Support and Risk Assessment
Perform periodic reviews of high-risk accounts and watch-list dealerships including analysis of collateral position financial statements reporting trends credit lines UCC filings insurance coverage aged inventory and overline exposure.
Evaluate portfolio data and account documentation to identify current or emerging credit risk operational risk or collateral concerns.
Prepare summaries of review findings and support recommendations for risk mitigation account monitoring or escalation.
Maintain accurate review documentation to support portfolio oversight audit readiness and management reporting.
3. Risk Documentation and Legal Coordination
Support the preparation review and coordination of commercial risk documentation in partnership with HCA Legal and internal Commercial Risk stakeholders.
Assist with documentation needed for dealer risk mitigation collateral protection credit line changes or other account-level actions.
Ensure required legal and risk documentation is complete accurate and aligned with established policies procedures and approval requirements.
4. Commercial Risk Reporting and Data Support
Support the development maintenance and accuracy of commercial operations and portfolio risk reporting.
Compile and validate portfolio data related to account performance risk trends documentation status overlines aged inventory and other risk indicators.
Provide reporting updates and analysis to support management visibility into portfolio performance and emerging risk areas.
WHAT YOU WILL BRING TO THE ROLE
Minimum 46 years of experience in automotive finance commercial credit floorplan lending portfolio risk credit operations or a related financial services environment.
Experience reviewing dealer or commercial account activity collateral exposure credit documentation reporting or portfolio risk indicators.
Experience coordinating with internal stakeholders to support account follow-up documentation reporting or risk action plan activities.
Preferred:
Prior experience in captive automotive finance commercial dealer risk wholesale finance or floorplan portfolio support.
Familiarity with financial statement review and commercial credit documentation.
Experience using Datascan systems including Wholesale Intelligence and Risk Gauge.
Experience using Salesforce or similar workflow portfolio or customer relationship management systems.
Bachelors degree in Business Finance Accounting Economics or a related field or equivalent related work experience.
Working knowledge of commercial credit floorplan lending dealer operations and portfolio risk concepts.
Ability to review financial statements collateral data credit documentation aged inventory overlines and related risk indicators.
Ability to identify account-level risk concerns summarize findings and escalate issues appropriately.
Strong attention to detail with the ability to maintain accurate documentation reporting and follow-up tracking.
Solid time management and prioritization skills with the ability to manage multiple accounts deadlines and stakeholder requests.
Proficiency in Microsoft Office Suite including Excel Word and Outlook.
Familiarity with Crowe Navigator Datascan Wholesale Intelligence Risk Gauge Salesforce or similar credit/risk systems preferred.
Strong written and verbal communication skills with the ability to work effectively with internal stakeholders dealers and business partners.
WE TAKE CARE OF OUR PEOPLE
At HCA our people drive our success. Thats why we offer a competitive rewards package that supports your health financial future and overall wellbeingat 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 thrivepersonally 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 workplacebecause 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.
If you have any questions about CCPA regarding California residents or HCA team members please contact the Privacy Team at.
Required Experience:
Senior IC
