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Form of workMUST BE ABLE TO WORK PACIFIC TIME ZONE HOURS
Who We Are: Through our service brands Hyundai Motor Finance, Genesis Finance*, and Kia Motors Finance, we provide financial products tailored to meet the needs of Hyundai, Genesis, and Kia dealerships nationwide, including dealer inventory and facility financing. And, through these dealerships, we provide indirect vehicle financing and leasing solutions to over 1.7 million retail customers.
Employee Value Prop and Culture : Hyundai Capital America aims to be an agile and innovative company that is powered by the diversity of our people and ideas. We are a passionate team, building a connected and inclusive culture that promotes collaboration, embraces change, values talent, rewards performance, and fosters career growth and development. As a member of the Hyundai Motor Group and the trusted finance partner for Hyundai, Kia, and Genesis, we share a global vision and work together to drive forward into a future of mobility and innovation.
Global One Company: Many countries. One identity. Hyundai Capital has offices across the world, including China, Canada, the United Kingdom, Germany, Russia, Brazil and Korea. Our work environments are designed with specific themes in mind to achieve a consistent global identity that reflects our values: light, collaboration, elements of nature and symmetry.
General Summary:
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.
Duties and Responsibilities:
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.
Knowledge and Skills:
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
Physical Requirements and Working Condition:
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 office environment. This position requires flexibility with schedule to include weekends, evenings and holidays
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 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.
