Experience

VelocitySBA

• United States
• Financial Services
• 1 - 100 Employee

• Credit Officer

  • Dec 2022 - Present

  Los Angeles, California, United States



HST

• Ethiopia
• Professional Services
• 1 - 100 Employee

• Associate Consultant - Strategy & Innovation

  • Feb 2021 - Apr 2021

  Addis Ababa, Ethiopia - Worked in the Strategy and Innovation department where I completed internal financial analysis of portfolio clients. - Researched and presented on Ethiopia's emerging mortgage banking industry while working alongside a Senior Partner. - Worked in the Learning Solutions department. I completed an Instructional Design course on Udemy and was awarded a certificate. I then developed on online course on business writing skills using Articulate 360. This course is to be published and… Show more - Worked in the Strategy and Innovation department where I completed internal financial analysis of portfolio clients. - Researched and presented on Ethiopia's emerging mortgage banking industry while working alongside a Senior Partner. - Worked in the Learning Solutions department. I completed an Instructional Design course on Udemy and was awarded a certificate. I then developed on online course on business writing skills using Articulate 360. This course is to be published and available on HST's future eCampus online training program. - Frequently interacted with Senior Partners and Directors developing my interpersonal and communication skills with upper management. Show less



SBA Complete, Inc.

• United States
• Banking
• 1 - 100 Employee

• SBA Underwriter

  • Sep 2018 - Feb 2020

  El Segundo, California - Underwrote construction-based 7a loans and international trade loans with loan sizes ranging from $350K to $5MM - Experienced varied loan structures, underwriting 7a loans that were no longer primarily debt refinance. Aided partner bank BDO’s in restructuring preflight deals to maximize the interest of all stakeholders. - Drafted credit memos in line with the Lender’s underwriting criteria and SBA guidelines to reflect a detailed understanding of each credit, its strengths, weaknesses… Show more - Underwrote construction-based 7a loans and international trade loans with loan sizes ranging from $350K to $5MM - Experienced varied loan structures, underwriting 7a loans that were no longer primarily debt refinance. Aided partner bank BDO’s in restructuring preflight deals to maximize the interest of all stakeholders. - Drafted credit memos in line with the Lender’s underwriting criteria and SBA guidelines to reflect a detailed understanding of each credit, its strengths, weaknesses and associated mitigants. - Made recommendations regarding 7a loan structure, pricing, use of funds and equity injection. - Screened out fraudulent applicants by thoroughly completing the necessary due diligence of SBA guidelines and company-based procedures. - Developed and maintained effective communication with clients to facilitate the seamless underwriting process spanning the 30 to 120-day loan cycle. - Maintain professional and technical knowledge studying SBA guidelines, and USDA regulations. Show less



Five Star Bank - California

• United States
• Banking
• 100 - 200 Employee

• SBA Underwriter

  • 2017 - Aug 2018

  Rancho Cordova - Provided loan structure, underwriting and pre-flight of new loans. Loan sizes were under $350K through the wholesale SmartBiz product. Worked on larger SBA loans that were traditionally sourced through the Bank’s BDO’s. - Presented at weekly Credit Committees in front of C-Suite and upper management. - Trained new underwriters and processors on using the SmartBiz platform. - Attended NAGGL conferences and webinars related to updates in SBA policies and lending practices.



SmartBiz

• United States
• Financial Services
• 100 - 200 Employee

• Credit Analyst

  • Nov 2016 - Mar 2017

  San Francisco Bay Area -Underwrite loan applications using company’s underwriting platform technology -Manually run cash flows for small businesses using information from tax returns and credit report -Compliance responsibility of checking and verifying deals not falling in our partner banks credit box -Analyze and save deals that our partner banks can work with before reinstating back into our system -Train RM’s in cash flow and credit related areas (developed RM stats report to track progress)

• MBA Intern

  • Aug 2016 - Nov 2016

  San Francisco Bay Area Manually run cash flows for small businesses using information from tax returns and credit report.



Consortium of Christian Relief and Development Association: CCRDA

• INTERNSHIP: Capacity Development Analyst

  • Nov 2014 - Jan 2015

  Addis Ababa, Ethiopia CCRDA joint with Packard Foundation has taken on a three year WHO (World Health Organization) funded project on sustainable Reproductive Health education and services in four regions of Ethiopia. My main task was to derive benchmarks for fund allocations in the various project divisions using the baseline survey conducted at the beginning of the project. The benchmarks derived further enabled our team to perform statistical analysis to track the progress of each project in efforts of assessing… Show more CCRDA joint with Packard Foundation has taken on a three year WHO (World Health Organization) funded project on sustainable Reproductive Health education and services in four regions of Ethiopia. My main task was to derive benchmarks for fund allocations in the various project divisions using the baseline survey conducted at the beginning of the project. The benchmarks derived further enabled our team to perform statistical analysis to track the progress of each project in efforts of assessing efficient use of funds. - Assisted an ongoing project with WHO (World Health Organization) on enhancing the Reproductive Health system in selected regions of Ethiopia - Performed statistical analysis on projects progress referring to field reports and benchmark results - Recorded and reported the proceedings of the annual review meeting conducted with CCRDA and its partners Show less



Publicis Re:Sources

• France
• Advertising Services
• 700 & Above Employee

• Spot Analyst

  • Oct 2013 - Jun 2014

  27-01 Queens Plaza North Worked in the Broadcast division where we handled invoice payments of clients airing their commercials on TV and Radio. As a spot analyst, I was responsible for allocating products in accordance to their assigned codes and specified time slots. I created an efficient legend for product codes our department received at the beginning of each month. This legend enabled accurate and efficient product coding. - Collected and updated daily error requests. - Allocated product in accordance… Show more Worked in the Broadcast division where we handled invoice payments of clients airing their commercials on TV and Radio. As a spot analyst, I was responsible for allocating products in accordance to their assigned codes and specified time slots. I created an efficient legend for product codes our department received at the beginning of each month. This legend enabled accurate and efficient product coding. - Collected and updated daily error requests. - Allocated product in accordance to buyers coeds on DDS (Donovan Data System) - Cleared invoices, and made the necessary adjustments for invoices with errors Show less



Bard College

• United States
• Higher Education
• 700 & Above Employee

• Computer Lab Assistant

  • Jan 2010 - May 2013

  30 Campus Rd. Annandale-on-Hudson, NY 12504 Supervised technology lab and helped students troubleshoot technical problems.

• STEVENSON GYM: Front Desk Assistant

  • Jan 2010 - May 2013

  30 Campus Rd. Annandale-on-Hudson, NY 12504 Assisted coaches, students, and community gym members with gym facilities and general questions about the school. Answered phone calls with questions regarding programs provided by the Bard athletics department. - Assisted athletics administration with set up various events



I-ELLA.com

• United States
• Technology, Information and Internet

• INTERNSHIP: Technical Analyst

  • Jun 2012 - Jul 2012

  SoHo, New York City I-Ella is was a start up online based fashion company creating online closets of high fashion second hand clothing. My initial task was to frequently check/identify website errors and compile an error report for our outsourced tech team. The company expanded introducing a new service, monthly subscribed gift bags. I worked in a team where we attended networking events promoting our product and created a recording system for product inventory. - Worked as liaison between CEO and tech team by… Show more I-Ella is was a start up online based fashion company creating online closets of high fashion second hand clothing. My initial task was to frequently check/identify website errors and compile an error report for our outsourced tech team. The company expanded introducing a new service, monthly subscribed gift bags. I worked in a team where we attended networking events promoting our product and created a recording system for product inventory. - Worked as liaison between CEO and tech team by supervising website problems - Handled product inventory - Assisted with product development Show less



EY

• United Kingdom
• IT Services and IT Consulting
• 700 & Above Employee

• INTERNSHIP: Research Analyst

  • Jun 2011 - Aug 2011

  Addis Ababa, Ethiopia Presented research studies on Ethiopia’s agricultural economy, soil classifications for efficient cultivation, and a comparative report on development of Ethiopia’s railway transportation. I was responsible for all the data collection involved speaking with government workers in the various ministries. I drafted all three reports which were later incorporated in EY's consulting project. My last report on introducing a change in transportation infrastructure and creating a railway system, is… Show more Presented research studies on Ethiopia’s agricultural economy, soil classifications for efficient cultivation, and a comparative report on development of Ethiopia’s railway transportation. I was responsible for all the data collection involved speaking with government workers in the various ministries. I drafted all three reports which were later incorporated in EY's consulting project. My last report on introducing a change in transportation infrastructure and creating a railway system, is now an actuality in Addis Ababa. - Worked alongside employees in both private and public sector industries - Worked on national projects that use proprietary and confidential economic data, reserved for government-approved companies Show less



Save the Children

• INTERNSHIP: Human Resource Organization

  • Jun 2010 - Aug 2010

  Addis Ababa Enabled the organization’s transformation from manual records to an electronic database. I was responsible for handling confidential staff information when updating their personal information on data base system. - Created an efficient logging system