Harlo Sinai

Credit Analyst at Good Funding
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Contact Information
us****@****om
(386) 825-5501
Location
US

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Experience

    • United States
    • Financial Services
    • 1 - 100 Employee
    • Credit Analyst
      • Jan 2021 - Present

      • Uses a variety of resources, evaluates and verifies client information including business name and operations, ownership, business structure and personal/business credit history. • Closely analyzes business bank statements and related cash flows. • Determines applicant credibility and payback ability using in-depth review and verification of all provided information, including diligently developing information on their own to support decisions and solutions. • Responds timely and professionally to inquiries from internal sales, funding, and brokers. • Maintain constant fast-paced internal and external email and verbal communication. • Conduct credit calls and converse effectively with potential borrowers as well as communicate effectively with Senior Management on all credit decisions and recommendations. • Maintain accurate follow-up of all open files or decisions. Show less

    • United States
    • Banking
    • Underwriter
      • Aug 2020 - Dec 2020

      • Analyze data and business financials (P&L's, Balance Sheets, Tax Returns and Credit Reports, AP/AR aging reports), • Review asset valuations and provide liquidation recommendations, • Research & maintain up-to-date compliance with Federal loan requirements, • Determine credit worthiness and approve loan amounts. • Analyze data and business financials (P&L's, Balance Sheets, Tax Returns and Credit Reports, AP/AR aging reports), • Review asset valuations and provide liquidation recommendations, • Research & maintain up-to-date compliance with Federal loan requirements, • Determine credit worthiness and approve loan amounts.

    • United States
    • Financial Services
    • 1 - 100 Employee
    • Credit Analyst
      • Jun 2019 - Mar 2020

      • Working with the portfolio management team in developing, implementing, and coordinating underwriting and risk-rating forecast models • Perform trending and comparative analysis of financial statements • Assist with loan application due diligence • Working with the portfolio management team in developing, implementing, and coordinating underwriting and risk-rating forecast models • Perform trending and comparative analysis of financial statements • Assist with loan application due diligence

Education

  • San Diego State University
    Bachelor of Business Administration - BBA, Finance, General
    2018 - 2020

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