Daniel Nystrom

Daniel Nystrom Email and Phone Number

Commercial Underwriter | Credit Risk | FinTech Portfolio Manager | Cards | BNPL | Small Business | Consumer | B2B Payments | Merchant Acquisitions | Credit Policy | Trade Credit Limits @ Credit Key
los angeles, california, united states
Daniel Nystrom's Location
Dallas-Fort Worth Metroplex, United States
Daniel Nystrom's Contact Details

Daniel Nystrom work email

Daniel Nystrom personal email

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About Daniel Nystrom

As a successful and well-rounded credit risk manager, I have amassed experience in lending from individuals to Fortune 500 companies. Throughout my career, my analytical, creative problem-solving, and communication skills have proven to be valuable assets. I love finding ways to safely say “yes” when other banks simply say “no,” which gives me a leg up on my competition. On a personal note - I live in Texas with my wife and son, and, when I am not working, I enjoy traveling and playing golf.AREAS OF EXPERTISE:⏵Credit Risk Management⏵Commercial & Consumer Lending ⏵Credit & Loan Underwriting⏵Fraud MitigationREGULATORY KNOWLEDGE:⏵Anti-Money Laundering (AML)⏵Know Your Customer (KYC)⏵Financial Industry Regulatory Authority (FINRA)CAPITAL ONE CAREER PATH:⏵Started in back-end consumer credit processing.⏵Promoted to underwriting home originations. ⏵Transitioned into commercial credit underwriting for large accounts. ⏵Asked to support the merger of commercial and small business card products.⏵Became the only Underwriter with authority in both Commercial and Small Business Card lines.

Daniel Nystrom's Current Company Details
Credit Key

Credit Key

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Commercial Underwriter | Credit Risk | FinTech Portfolio Manager | Cards | BNPL | Small Business | Consumer | B2B Payments | Merchant Acquisitions | Credit Policy | Trade Credit Limits
los angeles, california, united states
Website:
creditkey.com
Employees:
23
Daniel Nystrom Work Experience Details
  • Credit Key
    Commercial Underwriting Manager
    Credit Key Jul 2024 - Present
    United States
    • Developed framework for BNPL financing options for enterprise clients, driving merchant onboarding for Credit Key.• Collaborated with team to build out BNPL solutions, enhancing customer experience and increasing revenue.• Implemented strategies to attract merchants to provide BNPL financing, expanding Credit Key's client base.
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  • Capital One
    Principal Underwriter | Business Cards & Payments
    Capital One Jul 2019 - Jul 2024
    Plano, Texas, United States
    Major Responsibilities:▸Manages lending for middle-market firms, not-for-profits, and municipalities.▸Guides and approves the work of five (5) junior team members. ▸Assess creditworthiness, risk rating, acceptable limits, and repayment ability.▸Prepares credit packages for approval.Highlights:▸Developed a uniform underwriting program for merged lines of business.▸Established the Underwriting-to-Sales Managers Relationship Committee.▸Tapped to train field sales teams in AZ and CA in cross-selling newly merged products
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  • Capital One
    Senior Commercial Underwriter | Commercial Card
    Capital One Jan 2018 - Jul 2024
    Plano, Texas
    Major Responsibilities:▸Evaluated financial statements, tax returns, and cash flow statements.▸Assigned risk ratings.▸Compiled reports for loan approvals, unsecured exposure, annual reviews, and increases. Highlights:▸Surpassed monthly deal goals by 25% and maintained consistent QA scores of 98%.▸Helped reduce credit package redundancies to free up 30%.▸Completed Commercial Underwriting training by Omega Performance.▸Earned Certificate in Business & Commercial Lending from the ABA.
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  • Capital One
    Senior Underwriter | Home Loan Originations
    Capital One Jan 2012 - Jan 2018
    Dallas/Fort Worth Area
    Major Responsibilities:▸Made decisions on credit applications for a diverse portfolio of real estate products. ▸Mitigated risks against potential losses, fraud, or misrepresentation. ▸Built relationships with Bankers, Loan Processors, and Compliance Experts. ▸Analyzed, verified, and determined a potential borrower's ability to repay.▸Calculated proposed PTI, DTI, and LTV/CLTV. ▸Mentored and authorized Junior Underwriter work.Highlights:▸Promoted from Underwriter to Senior Underwriter in 2017.▸Recognized as the highest producer of 2017, completing +20% of total transactions.▸Attained high quality and pipeline SLA scores of 98% each. ▸Reduce the onboarding training time for new underwriters by 50%. ▸Served as underwriting SME for the Center of Excellence development team.▸Led a Customer Expectation pilot program, taking over 2nd Sign authority to reduce response times to 1 day.
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  • Capital One
    Credit Specialist | Bank Credit Line Management Group
    Capital One 2009 - 2012
    Dallas/Fort Worth Area
    Major Responsibilities:▸Performed credit profiling to approve/decline applications and renewals.▸Reviewed portfolios against credit reporting metrics and criteria. ▸Monitored borrower repayments to ensure compliance with terms and agreements. ▸Managed requests to block or reinstate lines of credit.▸Communicated approve, decline, counter, and/or adjustment decisions to customers.Highlights:▸Led a special home equity line project to determine service continuance and value.▸Supported the offboarding of unsecured lines to give 25% more time for home loan customers. ▸Traveled to train the new team on current processes and procedures.
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  • Ford Motor Credit Company
    Credit Analyst
    Ford Motor Credit Company 2008 - 2009
    Dallas/Fort Worth Area
    Major Responsibilities:▸Monitored dealer risk and made load approval decisions.▸Communicated with dealership finance directors and relationship managers.▸Oversaw credit investigations to eliminate or minimize fraud.
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  • Chase Paymentech
    Underwriter | Merchant Aquisitions
    Chase Paymentech 2007 - 2008
    Dallas/Fort Worth Area
    Major Responsibilities:▸Analyzed financial statements, credit bureau reports, and D&B reports. ▸Determined the stability and profitability of merchant credit card applications.▸Ensured indemnified in case of fraud or loss.▸Provided detailed approval or declination decisions.▸Maintained contact with bankers and sales personnel.
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Daniel Nystrom Education Details

Frequently Asked Questions about Daniel Nystrom

What company does Daniel Nystrom work for?

Daniel Nystrom works for Credit Key

What is Daniel Nystrom's role at the current company?

Daniel Nystrom's current role is Commercial Underwriter | Credit Risk | FinTech Portfolio Manager | Cards | BNPL | Small Business | Consumer | B2B Payments | Merchant Acquisitions | Credit Policy | Trade Credit Limits.

What is Daniel Nystrom's email address?

Daniel Nystrom's email address is dn****@****key.com

What schools did Daniel Nystrom attend?

Daniel Nystrom attended Southern Methodist University.

Who are Daniel Nystrom's colleagues?

Daniel Nystrom's colleagues are Caytie Ross, Brian Bittman, Natasha Graves, Nick Niles, Amani Fairweather, Mason Alphonso, María Fernanda Noguera.

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