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
