Credit Analysis: Conduct in-depth reviews of commercial and consumer credit bureaus to evaluate the credit history, credit scores, and payment behaviors of loan applicants.Financial Document Review: Scrutinize cash flow statements, business financials, and other financial documents to assess the financial health of prospective borrowers. This includes analyzing income statements, balance sheets, and tax returns.Bank Statement Analysis: Review bank statements to verify the consistency of cash flow, business transactions, and financial stability. Identify any irregularities that may affect loan eligibility.Risk Assessment: Assess the overall risk associated with each loan application. Utilize your experience to determine the likelihood of repayment and make recommendations accordingly.Loan Structuring: Collaborate with senior underwriters and loan officers to structure loans that meet the specific needs of borrowers while adhering to lending guidelines and risk management policies.Regulatory Compliance: Ensure all underwriting activities comply with applicable laws, regulations, and industry standards. Stay updated on relevant regulations and ensure all documents and processes are in accordance.Communication: Effectively communicate with loan officers, customers, and bank partners to gather additional information, clarify discrepancies, and provide status updates on underwriting decisions.Documentation: Maintain accurate and organized records of all underwriting activities, including notes on decision rationales, document submissions, and follow-up actions.Continuous Improvement: Stay current with industry trends, underwriting best practices, and emerging risk factors. Contribute to the constant improvement of underwriting processes and guidelines.

• Performing detailed financial analysis to calculate propensity to pay back and detect any fraudulent background history or fraudulent documents.• In depth underwriting of cash advance, business loans applications and BHG deals to determine credit worthiness, approval amount, buy rate, commission, and length of loan/advance in addition to evaluating and providing recommendations for policy exceptions to upper management and ISO’s. Issuing MCA approvals.• Determine the ability of the client to repay financing based on analysis of a client’s bank and processing statements, tax returns, and other financial information. Perform other due diligence as needed to determine the creditworthiness of a small business• Train underwriting department new hires on identification of fraudulent activity and reviewing financial statements ratios to streamline underwriting procedure leading to overall efficiency. Approving deals for wire after all stipulations have been satisfied.• Analyze all business financial reports (balance sheet, profit & loss sheet), tax guard, bank, and credit card statements, WIP reports, tax returns, credit reports and other vital information to determine the expected customer risk profile.

• Analyze all business financial reports (balance sheet, profit & loss sheet), tax guard, bank and credit card statements, WIP reports, tax returns, credit reports and other vital information to determine the expected customer risk profile.• In depth underwriting of cash advance, business loans applications and BHG deals to determine credit worthiness, approval amount, buy rate, commission and length of loan/advance in addition to evaluating and providing recommendations for policy exceptions to upper management and ISO’s. Issuing MCA approvals.• Performing detailed financial analysis to calculate propensity to pay back and detect any fraudulent background history or fraudulent documents.• Developed spreadsheets based on remit risk requirements to consolidate financial data to expedite the overall process• Assess final risk factors daily and ensure accurate documentation is prepared for each deal to expedite overall funding process, while achieving over $30 million per month• Train underwriting department new hires on identification of fraudulent activity and reviewing financial statements ratios to streamline underwriting procedure leading to overall efficiency• Analyzed core business fundamentals of potential counter parties by reviewing financial statements, bank activity, and conducting research at macro and industry-specific levels

Allstate Insurance Company/SNK Business Corp Brooklyn, NY Sales Team Leader April 2016 – February 2017• Responsible for the administrative support to the Agent. Management of interns including, task delegation and scheduling. Oversee daily operations of high volume insurance agency.• Interview prospective clients to obtain information about their financial resources and needs, the physical condition of client(s) and/or property to be insured. Field underwriting to determine whether or not it is a desired risk.• Customize insurance policies to suit individual or group needs often covering a variety of insurance lines. Ensure policy claims are fulfilled and completed as soon as possible. • Fully explaining coverages, making financial recommendations while providing A+ customer service and upholding of company standards.• Retention – downloading, reviewing and evaluating of company and client renewals to make sure consumer has as much information as possible when making their next financial decision.

• Create, build and maintain positive rapport with clients and their risk management needs.• State Farm Bank Certified – assisting clients with all of their banking needs including opening checking and savings accounts, financial reviews, signing up clients for credit cards using our variety of products, establishing vehicle and personal loans.• Responsible for setting up and servicing 4 lines of insurance – Fire, Auto, Health and Life.