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.
