Senior Credit Analyst/Buyer/Underwriter
Veros Credit, LLC•Santa Ana, CA
•$31 - $42
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.
Requirements
- 5+ years of credit review/analysis experience in the non-prime auto finance industry.
- 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.
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.
Benefits
- 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
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What This Job Offers
Job Type
Full-time
Career Level
Senior
