Meghan Knott

Senior credit, underwriting, and legal executive with 15+ years of progressive experience across accounts receivable (A/R) factoring, structured finance, secured commercial lending, and legal risk management. Cultivated expertise in factoring, purchase order funding, and transportation factoring, including debtor concentration, dilution, and aging analysis, legal contract review and negotiation, due diligence, and portfolio risk monitoring. Directs legal documentation strategy, UCC management, and risk mitigation across high-volume factoring portfolios, translating legal and financial analysis into sound, defensible credit decisions.

My work focuses on streamlining operational processes to enhance efficiency and support business growth — leveraging skills in factoring and commercial finance, I collaborate with cross-functional teams to deliver tailored solutions that address complex financial needs. My goal is to contribute to organizational success while driving sustainable financial operations, serving as a trusted advisor to executive leadership on transaction structuring, regulatory compliance, and enterprise risk posture.

Vice President - Franklin Capital Network - Highland Park, IL (Remote)

(2026-02)

Head the Legal, Due Diligence, and Client Onboarding functions while acting as part of the underwriting team for accounts receivable factoring and purchase order finance transactions, as a member of senior leadership reporting directly to the CEO and serving as a voting member of the Credit Committee.

• Head legal documentation and due diligence for the transaction portfolio — drafting, negotiation, and execution of Factoring, Purchase Order Finance, Security, Intercreditor, and Subordination Agreements, and overseeing UCC searches, filings, and lien priority analysis to perfect security interests.
• Maintain complete and accurate account records and ensure collateral compliance in accordance with company policy, upholding anti-fraud procedures, KYC, and due diligence standards across transactions.
• Analyze collateral quality to identify potential credit, operational, and fraud-related risks and determine whether transactions align with the company's portfolio standards and risk guidelines.
• Partner with Sales and other members of senior leadership to structure competitive, risk-appropriate proposals, and advise on possible Legal or contract issues and risk events.
• Head up the onboarding process for new clients, directing cross-team collaboration among Sales, Credit, Underwriting, Operations, and Account Management to integrate new clients and ensure smooth transitions into active portfolios.
• Proposed, sourced, designed, and implemented the company's Salesforce CRM, now used enterprise-wide from client onboarding through ongoing account management.
• Provide ongoing oversight of approved facilities — monitoring client performance and conducting ongoing due diligence — and recommend facility modifications, risk rating changes, or exit strategies as needed, building strong client relationships grounded in responsible financial management, with direct involvement in larger accounts and clients in workout.
• Contribute to standardizing underwriting best practices, credit risk frameworks, and approval processes within the Credit & Risk function, while staying current on economic conditions and industry trends.

Collateral Documentation Analyst - Federal Home Loan Bank of Atlanta - Atlanta, GA

(2025-06 - 2026-02)

Oversaw collateral documentation, legal due diligence, and UCC lien management for member borrowing activity within a federally supervised financial cooperative serving member banks and credit unions. Partnered with member institutions, Federal Reserve Banks, legal counsel, and senior leadership to assess credit risk, ensure documentation integrity, and support secured lending decisions in a heavily regulated environment.

• Led legal review and negotiation of intercreditor agreements and subordination requests with the Federal Reserve.
• Conducted due diligence on member collateral portfolios — verifying ownership, legal authority, and asset eligibility — to support credit assessment and secured lending decisions.
• Managed high-volume UCC financing statement filings, amendments, continuations, and terminations to preserve lien perfection and priority across commercial collateral portfolios.
• Monitored collateral portfolio composition and asset-update mechanisms on an ongoing basis, flagging risk exposures for underwriting and credit review.
• Maintained custody and control of physical collateral vault holdings, ensuring accurate recordkeeping and safeguarding of pledged assets.
• Formulated and maintained a robust framework of internal controls, strengthening audit preparedness, regulatory compliance, and oversight of collateral and lending activity within a heavily regulated environment.
• Drove process improvements that elevated documentation quality, accelerated transaction execution, and reinforced the Bank's secure lending infrastructure.

Underwriter - Eagle Business Credit - Woodstock, GA

(2022-04 - 2025-05)

Conducted underwriting evaluations and credit assessments for commercial accounts receivable factoring and lending opportunities, with primary focus on KYC, collateral analysis, contract review, risk mitigation, underwriting, and accelerated client onboarding.

• Reviewed and underwrote 500+ secured lending and accounts receivable factoring agreements.
• Analyzed debtor concentration, aging schedules, and dilution trends.
• Conducted legal contract review and comprehensive due diligence, including entity verification, background investigations, and collateral assessments, to strengthen underwriting quality and support sound credit decisions.
• Reduced documentation errors by 32% by refining audit readiness protocols and deploying targeted data validation checks, boosting underwriting accuracy and compliance.
• Detected fraud indicators and hidden liabilities across 500+ commercial accounts through forensic analysis, triggering internal control enhancements and asset protection actions.
• Managed UCC filings, continuations, amendments, and subordinations to preserve perfected lien positions and protect collateral interests across the lending portfolio.
• Negotiated and resolved complex lien priority disputes with competing secured creditors through direct legal coordination, preserving institutional interests and reducing litigation exposure.
• Accelerated client onboarding by 40% through streamlined workflows and enhanced due diligence standards, enabling faster funding decisions while maintaining rigorous risk and compliance requirements.
• Partnered with Sales, Legal, and Credit teams to resolve issues, validate borrower eligibility, and facilitate funding approvals.

Underwriting Manager - Facteon, Inc. - Atlanta, GA

(2006-06 - 2011-11)

Managed a team of underwriters and account executives responsible for underwriting decisions and client account management within a commercial accounts receivable factoring organization.

Freelance Paralegal - Self-Employed - Atlanta, GA

(2013-11 - 2022-04)

Provided freelance paralegal support to law firms, lenders, and commercial clients.

Studies in Business Management - Finance Concentration - Western Governors University

Legal Studies - Kennesaw State University

Early Childhood Special Education - Auburn University