Samantha S

Detail-oriented Senior Underwriter with extensive experience in financial analysis, commercial lending, risk assessment, portfolio management and operational leadership. Proven track record of managing multi-million dollar portfolios, leading underwriting teams, developing pricing models and improving operational efficiency across fast-paced financial services organizations.

Senior Underwriter at Samson Funding (2023-08 – Present)

• Conduct comprehensive analysis of loan applications, reviewing financial statements, credit reports, bank statements and other supporting documentation.
• Evaluate merchant creditworthiness using financial modeling, cash flow analysis, debit service coverage ratio (DSCR) and collateral valuation.
• Monitor existing loan portfolios, conduct periodic reviews and recommend mitigation strategies.
• Prepare and present portfolio performance, credit risk and underwriting reports to senior leadership and stakeholders.

Senior Underwriter at Kalamata Capital Group (2020-10 – 2022-12)

• Perform detailed financial analysis on small business applicants, including trend and ratio analysis, and interpret the financial information to determine credit quality and cash flow adequacy.
• Examined, identified and evaluated exposure. Calculated rates on clients concerning risk selection.
• Develop superior working relationship with external brokers and internal sales to successfully achieve growth retention and profitability with funding up to $22M.

Senior Underwriting Manager at Madison Parker Capital / 110 Funding (2020-01 – 2020-03)

• Analyzed business financial reports, bank and credit card statements, credit reports, and related documentation to determine client risk profile.
• Utilized and enhanced proprietary underwriting software and pricing models.
• Assisted in developing and evaluating credit collection models and underwriting workflows.

Director of Underwriting at Velocity Group USA (2019-03 – 2019-11)

• Led underwriting operations and streamlined ISO and underwriting processes to improve efficiency.
• Supervised, trained, and mentored a team of five underwriters.
• Structured pricing grids and implemented underwriting guidelines and procedures.
• Conducted risk assessments using multiple financial and underwriting software platforms.
• Managed applications from initial review through final approval, authorizing approvals up to $300K.

Director of Underwriting at Standard Financing (2018-12 – 2019-03)

• Oversaw underwriting operations and team management for the New York office.
• Collaborated closely with executive leadership, including the CRO and VP of Operations.
• Trained underwriting staff on reverse consolidation pricing models.
• Developed and executed underlying procedures alongside Salesforce administrators.

Executive Manager of Underwriting/Credit Analyst at FORA Financial (2015-07 – 2018-11)

• Managed a high-volume underwriting department that funded $32M in Q3.
• Led and mentored a team of 12 underwriters and credit analysts.
• Advised executive leadership on operational risk management, pricing strategy, and underwriting policy.
• Developed underwriting guidelines, departmental procedures, and business process improvements.
• Conducted statistical and trend analysis across industries, credit performance, and financing risk.
• Reviewed investment opportunities and refinance pricing recommendations.
• Supported reporting, tool development, and data analysis initiatives for operational decision-making.

Underwriter at FORA Financial (2012-03 – 2015-07)

• Evaluated client creditworthiness through analysis of business financials, bank statements, credit reports, and LexisNexis/Clear reports.
• Structured and priced loans using proprietary underwriting systems and risk models.
• Partnered with sales teams, brokers, and merchants to facilitate deal progression and resolve underwriting exceptions.
• Collaborated with collections teams to assess repayment history and portfolio performance.
• Approved transactions up to $150K and funded 32 deals totaling more than $5M within a single month.

Bachelor of Business Administration in Business Administration & Economics – Baruch College