Veros Credit, LLC

Director of Underwriting, Franchise Accounts

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

About Us

Veros Credit is a leading provider of auto financing solutions. We specialize in the acquisition and servicing of motor vehicle retail installment contracts through our vast network of franchise and independent automobile dealers. Our 20+ years of subprime and near prime auto lending experience, combined with our commitment to strong personal relationships with our dealers and customers, enables us to deliver quality service and a robust lending program.


We offer a dynamic and friendly “business casual” work environment, competitive pay and an outstanding benefits package. Some of our benefit offerings include:


  • Medical, Dental, and Vision Insurance
  • Life and Long Term Disability (LTD) Insurance
  • Employee Assistance Program (EAP)
  • 401(k) Plan w/ Company Match
  • Tuition Reimbursement
  • Paid Holidays
  • Paid Time Off (PTO)
  • Paid Sick Leave
  • And a lot more!


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 Director of Underwriting, Franchise Accounts will plan, direct and coordinate the operations of a team of Credit Analysts. The Director will also be responsible for conducting objective and 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.




  • Monitor performance to ensure that the centralized franchise credit team meets or exceeds established departmental goals. 
  • Manage the day-to-day activities of the franchise underwriting department such as developing reports, monitoring department performance, and implementing departmental and organizational policies and procedures to maximize performance and increase efficiency.
  • Monitor adherence to rules, regulations, policies, and procedures to establish and maintain organizational structure.
  • Participate in the recruitment, coaching, evaluation and development of department employees.
  • 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 the quality and profitability of a loan.
  • Interact daily with franchise automotive dealerships to negotiate and capture approvals.
  • Prepare 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.



  • 8+ years of credit review/analysis experience with 5+ years of progressive management or supervisory experience in the franchise indirect auto finance industry.
  • In depth understanding of underwriting processes and lender requirements.
  • Strong communication and decision-making skills with the ability to interact with others in a professional, tactful and sensitive manner.
  • Strong analytical and organizational skills with attention to detail.
  • Strong leadership skills such as critical thinking, problem solving, planning and organizing, decision making, and delegation with the ability to manage and direct the work of others.
  • Detail oriented and organized with the ability to work in a fast paced environment, both independently and as part of a team.
  • Bachelor’s degree or equivalent work experience. 

Veros Credit, LLC is an equal opportunity employer.


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