Associate, Credit Analyst (100% Work From Home)-Plano

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: Our employees contribute every day to a culture that is fast-paced, dynamic, energized, agile, and collaborative.
From our various engagement programs to the unique design of our offices, we strive to foster a connected, fun, positive and rewarding company culture where employees feel appreciated for their contributions, proud of their company, and thrive to be passionately invested in HCA's success.
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

• 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.
• 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.
• Performance Coaching: Actively participate in coaching and development sessions/trainings to co-create solutions that enhance individual performance and overall department/team performance.
• 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.
• Perform all other duties as assigned.

Knowledge And Skills

• Well versed on company product offerings, reporting and measurement systems
• Experience with Collections, Funding, Dealer Services, Lease end or Customer Service (Desirable)
• Experience with Dealer operations or Sales (Desirable)
• Ability to negotiate, influence and collaborate both with customers and associates
• Analytical with high attention to detail
• Auto finance or related background is preferred
• High school graduate (GED), College Degree preferred
• Strong verbal, written and interpersonal skills
• 2 years of experience in fast paced office environment
• Minimum 1-year automotive finance experience (Desirable)
• Self- starter with excellent time management skills

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 [email protected].
Primary Location
United States-Texas-Plano
Work Locations
Dallas, TX
Job
Underwriting Op.
Job Type
Regular
Overtime Status
Non-exempt
Schedule
Full-time
Minimum Salary: $
46,000.00
Maximum Salary: $
69,000.00
Job Posting
Jun 5, 2023