Job Description

Who We Are:
Crossroads Equipment Lease & Finance, LLC, is a wholly owned subsidiary of the Velocity Vehicle group, one of California’s largest commercial vehicle dealers. Established in 2006, and based in Rancho Cucamonga, California, Crossroads engages in the business of commercial medium and heavy-duty truck financing and leasing. We offer operating and finance leasing as well as direct financing to our commercial customers. Crossroads has experienced dynamic growth, expanding our portfolio and developing relationships with transportation companies that have locations outside the state of California, expanding our finance products to all states to service these customers.

What’s in it for You:
Crossroads is a fast paced and growing organization that is looking for candidates that are ready for a daily challenge and cannot wait to provide superior customer service both internally and externally. VVG offers fantastic Culture as well as competitive pay, 401K W/Match, Medical, Dental, & Vision benefits.
What You’ll Do:
The Senior Credit Underwriter evaluates credit applications, analyze financial data, approve transactions within individual authority and make recommendations regarding the creditworthiness of applicants. Responsibilities include for spreading financial statements, evaluating financial trends and ratios, and preparing credit memorandums to support their decisions and recommendations within desired timeframes. This role helps to mitigate risks associated with credit transactions by ensuring that loans and leases are structured appropriately and comply with credit policy as well as regulatory requirements. Additionally, the Senior Credit Underwriter serves as mentors to junior staff and collaborate with various departments to facilitate smooth operations. Goal is to protect the financial interests of the organization by minimizing losses while maintaining positive relationships with clients and stakeholders.
Job Duties:
• Review large-ticket credit applications (> $750,000) and supporting documents.
• Spread financial statements and tax returns, analyze financial trends and ratios, and prepare credit memorandums.
• Determine creditworthiness based on financial metrics, credit reports, and due diligence.
• Calculate loan/lease payments accurately.
• Work with Documentation/Closing and Counsel to review documentation.
• Serve as backup to Credit Manager and mentor Credit Analysts.
• Interact directly with customers and discuss financial/operational trends.
• Collaborate with other departments and maintain a customer-focused mentality.
• Complete assigned projects or duties from Credit Manager or Executive Manager within expected timeframes.
Required Skills and Qualifications:
• 7+ years' experience in commercial credit underwriting or similar roles.
• Formal credit training is preferred.
• BA/BS required with concentrations in accounting or finance.
• Ability to understand and negotiate legal contract verbiage.
• Experience in transportation lending/leasing preferred.
• Strong analytical, mathematical, and organizational skills.
• Detail-oriented with multitasking abilities.
• Self-starter capable of working with little supervision.
• Proficiency in Microsoft Office suite, Zoom, Microsoft Teams, Salesforce.
• Experience with Vision Leasing Software is a plus.
• Excellent written and verbal communication skills.
Compensation:
• $125,000-$175,000 annual salary + Bonus Eligibility
Benefits Crossroads Offers:
• Fantastic Culture
• 401k + match
• Health, Dental & Vision Insurance + HSA & FSA
• Employer paid Life Insurance
• Paid Vacation Days
• Sick Leave
• Company perks such as employee discounts, company events and training programs
• Excellent Training and Career Advancement Opportunities

Crossroads Equipment Lease & Finance, LLC is an equal opportunity employer. Crossroads prohibits discrimination and harassment of any type and affords equal employment opportunities to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.