Daniel Nystrom Email & Phone Number

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.

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

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.

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.

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.

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.

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.