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Senior Credit Analyst/Buyer/Underwriter

Senior Credit Analyst/Buyer/Underwriter

Job ID 
Job Locations 
US-CA-Santa Ana
Centralized Credit
Regular Full-Time

More information about this job

About Us

Veros Credit specializes in the acquisition and servicing of motor vehicle retail installment contracts from our network of franchise and independent automobile dealers and has a nationwide presence with headquarters in Southern California’s Orange County.


We are customer service driven with a “can do” attitude. We offer a dynamic and friendly “business casual” work environment (jeans are ok!), competitive pay and an outstanding benefits package. Some of our benefit offerings include:

  • Medical, Dental, and Vision Insurance
  • Life 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)
  • And a lot more! Click here to go to our benefits website!

At Veros Credit, we value our employees and encourage their professional growth and success by investing in training and promoting from within.

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.


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.



  • 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. 


Veros Credit, LLC is an equal opportunity employer.