• Help manage chargeback risk for some of the largest sellers processing on Square• Conduct in-depth credit reviews of Square’s most high-risk sellers with credit exposures ranging from $250k - $15MM, including preparing credit memorandums for approval by senior management• Lead due diligence calls with prospective and existing sellers to ensure that key risks are fullyunderstood and mitigated• Work closely with partners in Sales, Account Management, and Finance & Strategy teams• Present to Credit Committees while effectively representing Credit Risk teams• Contribute to the development of credit policies and add structure• Proactively identify ways to improve Square’s Credit Risk underwriting and operation workflows• Share insights and expertise with the team while promoting accountability for team-level and individualresults• Identify portfolio and seller trends to inform and help prioritize new policy creation

• Prepare credit write-up’s giving recommendation for decision for the executive credit committee for loans greater than $200,000.• Follow prescribed guidelines, receive and review final contracts and required documentation to ensure thoroughness and accuracy.• Thoroughly analyze complex credits on an independent basis. • Perform various departmental functions, including loan covenant monitoring, risk rating, audit preparation, review of less experiences underwriters’ work and assist in setting departmental business goal objectives.• Assess borrower’s ability to generate income sufficient to repay existing and proposed debt by conducting an analysis from obtained, legitimate, and audited financial forms and documents.• Contact borrowers to gather and follow up on information needed to assist the underwriting decision such as status of business, proof of business existence, as well as, merchant identifiable information • Interpreted and analyzed financial information from multiple sources, including credit reports, industry and economic data or trends, and credit bureau reports to render a sound and just decision• Review and analyze legal documents and UCC search information to determine if additional information is necessary to fully underwrite the loan request• Review, score and decision loan within 24 hours.

• Responsible for leading a team of funding and quality control underwriting specialists during and after funding times to ensure proper handling of ACH and wired funds were successfully and dutifully and supporting the underwriting platform • Responsible for increasing the timeliness, efficiency and effectiveness for the fulfillment of merchant cash advances and processing loans • Continuously build a strong rapport with external agents such as brokers and financial firms, as well as internal agents such as Sales, Audit, Underwriting, and Renewals teams • Provide accurate and timely data for metrics and reporting purposes for upper level management and leadership teams regarding status of deals funded and any obstacles plaguing the process of funded deals • Responsible for achieving predetermined production volume goals while ensuring corporate quality standards and processes are met• Supervising, motivating, and evaluating the performance of team members; utilizing positive reinforcement and fre-quent one-up meetings to re-visit individual and group goals to stay abreast of department goals and objectives • Assist with developing operations guidelines and rules, development of quality assurance controls, and modern lead-ership/management practices of team members and operational interfaces• Continuously responsible experience with developing policies, fostering and encouraging a think tank environment, as well as, upholding the CAN Capital organizational mantra

• Preparing, reviewing and analyzing the creditworthiness of all commercial loan originations.• Evaluating financial statements, historical trends, projections, management performance, industry, cash flow and capital structure.• Ordering, reviewing and analyzing reports.• Performing various departmental functions, including loan covenant monitoring, risk rating, stress testing and audit preparation.• Assess the borrower’s ability to generate income sufficient to repay existing and proposed debt.• Review credit and borrower information to determine loan eligibility• Contacting borrowers to gather and follow up on information needed to assist the underwriting decision.• Conduct investigations (including site visits), and review applications and borrower information.• Interpret and analyze financial information from multiple sources, including reporting services, credit bureaus, credit reports, and other industry data to inform underwriting decisions.• Review and analyze customer information including leases, rent rolls, business plans, etc. to determine impact on credit underwriting.• Review and analyze legal documents, UCC search information to determine if additional information is necessary to fully underwrite the loan request.• Research, review, and analyze industry data, market studies, competitive information.• Review financial and non-financial contracts to determine its impact on the lending request.• Recommend various loan structures (and pricing structures) that balance risks and rewards.

• Processes applications with speed, quality, and a high service level in order to be efficient at the respective duties.• Preparing contracts for implementation of the merchant cash advance, business loan and/or merchant processing.• Organize and maintain merchant services documents and files correspondence and other related records. • Track and maintain processing applications and other related documents to insure accurate retention of records.• Review and analyze credit card processing applications and full tax return for completeness and accuracy.• Retrieve personal and business credit reports from credit bureaus through internal systems.• Perform merchant references to obtain eligibility standards.• Setup and schedule site visits via third party vendor to ensure merchants business is open and operating successfully.• Perform underwriting adjustments to maintain eligibility guidelines and future performance criteria.

• Responsible for the review of commercial loan documentation and underwriting process in a post closing environment. • Reviews loan documents to ensure documentation is approved an in compliance with regulations and company policy. • Conducts reviews of perfected loan documents to verify accuracy and compliance with regulations and bank policy. • Maintains knowledge of current lending policies, procedures and regulation; stays abreast of variations in laws across state boundaries; attends and completes all necessary training. • Accurately enters collateral data into collateral management system. • Reviews financials, loan approvals and all credit related forms to ensure loan closed in compliance to the Synovus loan policy. • Problem solves; researches issues, handles complex customer/team member questions or issues, makes timely decisions related to workflow and/or procedures. • Remains up-to-date on all documentation, regulatory, and lien perfection requirements in order to ensure loan quality.