Senior Credit Analyst/Buyer/Underwriter

About Us

Veros Credit is committed to making vehicle ownership possible for everyone. Through our vast network of independent and franchise dealers, we have helped countless customers with their financing needs, allowing them to drive off in the vehicle they deserve.

We realize that our greatest assets are our employees, which is why we strive to make work welcoming and fun but offer limitless opportunities for growth and advancement. At Veros Credit, you can look forward to company events, free meals quarterly, holiday activities, and more. You will be greeted by friendly, positive, and ambitious team members, and work alongside leaders who encourage and value your new ideas. We are proud to say that it is this sense of community that makes us excited to walk through the door every day.

Some of our benefit offerings include:

• Medical, Dental, and Vision Insurance
• Life Insurance
• Flexible Spending Accounts (FSA)
• Accident, Hospital, Indemnity Insurance
• Short Term Disability (STD) and Long-Term Disability (LTD) Insurance
• Employee Assistance Program (EAP)
• 401(k) Plan
• Tuition Reimbursement
• Paid Holidays
• Paid Time Off (PTO)
• Transportation Reimbursement Benefit (Mass Transit, Carpool, and Plug-In Electric Vehicle)
• Referral Bonus
• Quarterly lunches
• Daily fresh fruit
• Office Starbucks Coffee/Latte/Espresso Machine
• And a lot more!

About The Position

The Senior Credit Analyst will be responsible for conducting an objective, independent analysis of complex credit data and financial statements of customers to determine the degree of risk involved in extending credit and underwriting loans accordingly. This is an in-house position located in Santa Ana, CA or Ontario, CA, and requires working the majority of weekends.

Essential Responsibilities:

• Review credit applications and make sound decisions based on Company guidelines.
• Analyze credit risk and financial information such as payment to income, loan to value, credit history and other data to determine quality and profitability of a loan.
• Provide leadership to other Credit Analysts, act as a department lead, and train/mentor other Credit Analysts as necessary.
• Interact daily with automotive dealerships to negotiate and capture approvals.
• Build strong relationships with the Sales/Marketing team, Funders and Dealership Body to maximize potential business. 
• Prepare or assist in the preparation of objective credit analysis reports including trend analysis, industry comparison, and projections for presentation to management and other departments.
• Meet target goals for productivity and quality in a consistent manner.
• Other duties as assigned.

Essential Requirements:

• 5+ years of credit review/analysis experience in the non-prime auto finance industry.
• Bilingual (English/Spanish) required. 
• Effective communication and decision-making skills.
• Strong analytical and organizational skills with attention to detail.
• Strong negotiation and problem-solving skills.
• Ability to interact with others in a professional, tactful, and sensitive manner.
• Ability to thrive in a fast-paced work environment and to work independently as well as part of a team.
• Proficient with the Microsoft suite of applications (Word, Excel, Outlook, PowerPoint, Visio, etc.)
• Bachelor’s Degree in Business or equivalent work experience. 

Salary: $31.00 - $42.00 per hour + Bonus

Veros Credit, LLC is an equal opportunity employer.

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