Michael Alexander S. Email & Phone Number

New York, Ny, Us

San Francisco, California, Us

San Francisco, California, Us

San Francisco, California, Us

San Francisco, California, Us

Oversee and mentor new and existing Merchant Risk team members on certain aspects of the Strategic and Enterprise space, as well as how to proceed with edge case and unique situations with regards to document requests, review, thinking creatively outside the box, and working cross-functionally with Commercial, Compliance, Legal, and Capital Markets teams to call out all risks associated.Reviewing all Merchant Agreement “Red-Lines” as they relate to Merchant Risk review and requirements and providing feedback to our Legal point ofcontact as needed.Reviewing all change of ownership and Assignment Letters to quantify risk associated with the purchaser, as well as seller partnership history as it relatesto disputes, refunds, exposure, etc.Recommend and oversee the implementation and onboarding of vendors to help assist with certain aspects of our verification process to reduce time-to-decision.Created and oversee the present Merchant Terminations policy and procedure, and actively manage the process as the main point of contact between cross-functional teams.Created and oversee the present Merchant Collections policy and procedure by utilizing prior experience, best practices, as well as cross-functional learnings, and actively manage the process both in-house with our Accounting (through invoicing) and cross-functional teams, as well as with our third-party collections agency.Revamped all existing Merchant Risk policies and procedures into a cleaner and more robust v2, as well as built and actively maintain the Merchant Risk Confluence space as a single source of truth and archive of all policies, procedures, projects, initiatives, etc.Monitoring our existing merchant portfolio and taking proper action to either continue monitoring, remediate, and or terminate a merchant relationship.Underwriting and decisioning all Mid to Enterprise level merchant partnerships

San Francisco, California, Us

Underwriting Small Business term loans and lines of credit, which includes, but not limited to, review of business tax returns (1065, 1120, and 1120S – including all schedules and supporting statements), personal tax returns (1040, Sched C, E and F), Profit-Loss (P&L), Balance Sheet, Cash Flow Statements, and business and consumer bank statements.Utilizing Experian (Inteliscore), Trans Union (TLO) credit reports, UCC searches, and NAICS to review outstanding business debts, adjusted risk grade, business activity, and the effect of additional loans, lines, liens and judgements on the credit decision, and the guarantor’s ability to repay.Watchlist/OFAC compliance review through LexisNexis Bridger Insight XG utilizing both FINCEN and World Compliance databases with regards to mitigating potential fraud risk, default risk, and lending to both prohibited individuals and businesses.

San Francisco, California, Us

Consistently excel as a top producer and leader in team production metrics including loan review and decisions.Strong understanding of credit risk and a unique ability to identify process improvements and workflow efficiencies.Recommended a process improvement that was implemented into a Tableau Pipeline Dashboard and utilised daily across the credit floor.Participated in beta testing in preparation for the Auto Refinance product launch.Underwriting individual, joint, and auto refinance credit applications in accordance with risk policies, to mitigate potential fraud and default, as well as verify income in accordance with credit policies.Analyse and verify document authenticity, and calculate income utilising documents such as retirement and pension benefit statements, pay stubs, W2, 1099(S), bank and brokerage account statements, tax returns and tax transcripts. Reviewed over 3,300 loans totalling ~ $42MM loan origination in Q4 of 2015, and over 2,700 loans totalling ~ $32 MM in loan originations Q1 2016.

San Francisco, California, Us

Established partnerships with referral channels such as Payroll, Merchant Services, Treasury Management and Specialty Business Banking Groups to expand client relationships, drive revenue growth, and build a future pipeline.Built and actively managed 100+ business client relationships in the High Value and Affluent client segment.Piloted a hybrid Business Banker / Brokerage Associate position by completing FINRA qualification exams for Series 6 and Series 63, as well as the California Life Insurance (Only) – with Variable Contracts exam.Developed new business relationships through outside networks such as Business Network International and Young Professionals networking events and meetings.Developed junior bankers to exceed sales expectations, reduce loss exposure, and build a book of business through client relationship management.Successfully completed Consumer and Business Banking training to gain knowledge about bank policies, procedures, key underwriting factors, and product knowledge within each respectable role.Reviewed, approved and conducted research as necessary for client retention, profile management, and client needs assessment.

New York, New York, Us

Executive Mba, Finance

Bachelor Of Science (Bs), Corporate Finance