Credit Officer, Credit Department Pasadena, CA & Irving, TX

Who We Are:VelocitySBA provides small business owners with access to growth capital through the SBA loan program. Having access to small business financing can give you the security and freedom to focus on other aspects of running your business. We can help you purchase commercial real estate and equipment provide growth capital financing deliver debt refinance solutions aide with business acquisition/partner buyout and assist small business owners with their in it for You:VelocitySBA is one of the fastest growing SBA lending institutions in the country and is actively seeking motivated individuals interested in a career in business of opportunity include sales/business development underwriting closing servicing marketing and more as our organization very actively implements our national growth strategy. VelocitySBA offers distinctly a team culture that is more synergistic and collaborative than typical for financial institutions creating a stimulating and enjoyable workplace joining the VelocitySBA team can expect professional development and growth working alongside the best SBA professionals in the industry. Become a part of our team and immerse yourself in a company that fosters a Great Place to Work culture!Principal Responsibilities: Responsible for underwriting and conducting due diligence of SBA 7a loan transactions under the supervision of the Credit Team Lead and/or Credit Manager. Spread and analyze financial information of loan applicants and evaluate the information according to internal Credit Policies & Procedures. Order 3rd party reports (e.g. Appraisal Environmental or Business Valuation) with approval from Credit Team Lead and/or Credit Credit Memorandum and ensure it is underwritten to the policies and procedures of Crossroads Small Business Solutions and the SBA. Coordinates processing of approved loans and ensuring that loans are processed according to customer needs and conforming to internal lending discretionary and independent judgment in preparing and recommending credit approval to the Management Loan Committee. Coordinate with the Closing Team to efficiently process Qualifications:Minimum 3-5 years of underwriting and spreading of SBA 7(a) loans Professional speaking and presentation skillsBasic understanding and knowledge of SBA eligibility and guidelinesAbility to identify and mitigate credit risksAbility to analyze and interpret financial statements business reports and legal documentsGood judgment and problem-solving skills Proficient business writing skillsCompensation: Base Salary: $95000-$120000/year (based on experience qualifications and location)Plus Bonus Incentive Full-time position Physical Requirements: Must be able to pass post-offer drug screening and background checkBenefits Velocity Vehicle Group Offers:Fantastic Culture401k matchHealth Dental & Vision Insurance HSA & FSAEmployer paid Life InsurancePaid Vacation DaysSick LeaveCompany perks such as employee discounts company events and training programsExcellent Training and Career Advancement OpportunitiesVelocity Vehicle Group is an equal opportunity employer. Velocity Vehicle Group 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.