Javier Collazo

Experienced Senior Underwriter with 6+ years performing fiscal analysis and approving funding processes on behalf of financial institutions with up to $50 million in assets under management.

Senior Underwriter (Head Underwriter) at Funders App LLC (2020-05 – Present)

• Managed a team of Underwriters and provided final decisions on high risks files and provided constructive feedback to team members on a case by case basis.
• Trained newly hired staffed according to company guidelines.
• Collaborated with team members to improve risk mitigation and determine competitiveness in industry
• Underwrite merchant cash advance applications for credit worthiness in accordance with company underwriting guidelines.
• Review merchant financial statements.
• Provide technical and analytical guidance in gathering and analyzing financial information.
• Consulted with Upper management to revised company guidelines for industry trends.

Senior Underwriter at DMKA LLC (2019-01 – 2020-03)

• Managed a team of Underwriters and provided final decisions on high risks files and provided constructive feedback to team members on a case by case basis.
• Collaborated with team members to improve risk mitigation and determine competitiveness in industry
• Underwrite merchant cash advance applications for credit worthiness in accordance with company underwriting guidelines.
• Review merchant financial statements.
• Provide technical and analytical guidance in gathering and analyzing financial information.

Senior Underwriter at Premier Capital Funding (2018-05 – 2019-01)

• Responsible for full cycle underwriting process of new files and renewals, which includes the analysis of credit reports, bank statements, and various other business documentation.
• Perform detailed financial analysis to determine the credit worthiness of a merchant.
• Make decisions based on company checklists and guidelines.
• Issue MCA approvals.
• Communicate with ISO's, sales managers, and merchants in both written and verbal form.
• Negotiate terms and rates and assists in resolving problems that may arise on pending contracts. Restructure and standardize company underwriting process. Served as back up ISO Relations when needed.

Underwriter - Loan Modification at Cabanillas & Associates (2017-09 – 2018-05)

• Run Clients Credit Upon Authorization
• Analyze Client's Personal Credit Report
• Analyze Bank Statements
• Conduct Financial Analysis Meetings
• Contact Bank To Obtain Updated Mortgage Information
• Submit Loan Mod Application With Updated Documents

Underwriter at Max Advance (2016-06 – 2017-05)

• Analyze Client's Legal, DBA & Personal Credit Report
• Analyze Bank & Credit Card statements
• Approve or Decline Clients for a MCA based on their credentials
• Interview Client prior to funding

Account Executive at Powerline Funding (2015-10 – 2016-06)

• Prospecting and cold calling
• Proven sales track record
• Up selling and consultative selling
• Persuasive deal closer

Business & Finance – Metropolitan College of New York (2014-09)

– Grace Dodge Career & Technical H.S. (2003-09 – 2010-01)