Jennifer Mandujano

Support underwriting through review of financial statements, commercial and personal credit data Monitor portfolio risk and client performance, identifying and escalating financial deterioration Analyze account receivable aging, dilution, and customer concentrations to assess borrower creditworthiness and collateral quality

Credit & Underwriting Analyst - Factoring at American Prudential Capital (Subsidiary of Stellar Bank) (2024-11 – 2026-06)

• Support underwriting through review of financial statements, commercial and personal credit data
• Monitor portfolio risk and client performance, identifying and escalating financial deterioration
• Analyze account receivable aging, dilution, and customer concentrations to assess borrower creditworthiness and collateral quality
• Evaluate borrowing base and advance rates to determine funding availability and credit exposure
• Partner with internal teams to structure and maintain factoring/working capital lending facilities
• Managed Portfolio of $13M in receivables

Relationship Banker at Comerica Bank (2024-04 – 2024-11)

• Analyzed client financial data and transaction activity to identify risk trends and opportunities
• Supported lending discussions by evaluating cash flow, account behavior, and financial positioning
• Identified and escalated fraud and credit risk indicators through account monitoring
• Assisted with loan processes by gathering financial information and coordinating documentation

Teller at Comerica Bank (2021-12 – 2024-04)

• Processed high-volume financial transactions while ensuring accuracy and regulatory compliance
• Monitored account activity for fraud risk and suspicious transactions
• Referred clients to appropriate banking and credit products based on financial needs
• Maintain adequate supply of cash and currency to meet branch limits and traffic

Bachelor of Business Administration in Finance and Marketing – C. T. Bauer College of Business, University of Houston (2024-05)