Experience

Taycor Financial

• United States
• Financial Services
• 1 - 100 Employee

• Credit Analyst

  • Jul 2022 - Present

  El Segundo, California, United States • Manage queue of loan submissions, renewal requests and re-submissions to external lenders • Underwrite working capital files, review credit reports, spread bank statements, research online presence of small businesses to determine eligibility for lenders



Center Street Lending

• United States
• Financial Services
• 1 - 100 Employee

• Underwriter

  • Jun 2021 - May 2022

  Irvine, California, United States •Performed background checks, reviewed appraisals, title reports, and credit reports to ensure borrowers met underwriting standards •Maintained daily queue of borrower files alongside small team of underwriters •Alerted colleagues in identifying fraudulent bank statements •Familiarized with repeat borrowers, expediting pre-underwrite files in timely manner



Citi

• Mexico
• IT Services and IT Consulting
• 100 - 200 Employee

• Underwriter

  • Jun 2020 - Jun 2021

  Los Angeles, California, United States •In delegation for underwriter signature for home equity loans up to $250,000 •External candidate as part of pilot boot camp program with fast-track training in analyzing income, credit reports, tax returns, title and appraisal report reviews in accordance to Citi underwriting policies •Mentored with senior underwriters in preparing for file audits for risk managers •Training and employed 100% remote, report to management based out of St. Louis, MO



ForwardLine Financial

• Underwriter/Risk Analyst

  • Nov 2019 - Jun 2020

  Los Angeles, California, United States • Train manual bank statement review and bank call authenticity to colleagues, saving ForwardLine up to $150k max funding to be distributed to small businesses presenting fraudulent bank statements • Enforce stricter parameters for exception funding requests from previous decisioning to prevent delinquency rates, with approximately 80% of exception approvals to be lowered to roughly 50% • Presented underwriting proposals to executives for bank statement criteria such as eliminating… Show more • Train manual bank statement review and bank call authenticity to colleagues, saving ForwardLine up to $150k max funding to be distributed to small businesses presenting fraudulent bank statements • Enforce stricter parameters for exception funding requests from previous decisioning to prevent delinquency rates, with approximately 80% of exception approvals to be lowered to roughly 50% • Presented underwriting proposals to executives for bank statement criteria such as eliminating funding deals with excessive overdraft/non-sufficient fund fees per month and low bank balances • Draft write-ups for high-risk $150k loan requests for the Chief Risk Officer reviews to approve or deny Show less



Marlin Capital Solutions

• United States
• Financial Services
• 1 - 100 Employee

• Senior Loan Underwriter

  • Nov 2015 - Oct 2019

  Cottonwood Heights, Utah, United States • Worked remote while collaborating operations with New Jersey-based underwriting team that successfully processed and underwrote for approximately 15 brokers and 30 internal sales reps • Developed and streamlined renewal, re-approval and concurrent processes to expedite decisions for familiar business applicants, which increased end of day production and preventing replication • Yielded up 25 detailed recommendations daily for loan approvals ranging from $5,000-$200,000



CAN Capital

• United States
• Financial Services
• 100 - 200 Employee

• Underwriter

  • Mar 2013 - Nov 2015

  Salt Lake City, Utah, United States • Helped launch the Utah underwriting team. Supported the expansion of 20 underwriters as well as growing the operations and collections teams to assist the GA headquarters and Costa Rica office • Exhibited CAN’s same-day funding culture, working alongside contract administrators to decision heavy volume of deals, averaging 20-30 minutes per application for $2,500-$250,000 loans • Specialized in bank fraud detection through repetitious manual bank reviews ultimately helping save the… Show more • Helped launch the Utah underwriting team. Supported the expansion of 20 underwriters as well as growing the operations and collections teams to assist the GA headquarters and Costa Rica office • Exhibited CAN’s same-day funding culture, working alongside contract administrators to decision heavy volume of deals, averaging 20-30 minutes per application for $2,500-$250,000 loans • Specialized in bank fraud detection through repetitious manual bank reviews ultimately helping save the company millions of dollars in loan funding through strong due diligence underwriting practices Show less



Zions Bank

• United States
• Banking
• 700 & Above Employee

• Various Roles

  • May 2008 - Mar 2013

  Salt Lake City, Utah, United States • Monitored insurance policies and FEMA flood insurance guidelines for Zions’ nationwide properties • Managed customer service line, handling loan fee waivers and explaining prepayment penalties for loan agreements, also serving as mediator, escalating calls to management when necessary. • Floating teller to all bank retail branches in three counties with up to 100 branches statewide • Appointed projects with Private Banking, Women's Financial Services, and Property Management •… Show more • Monitored insurance policies and FEMA flood insurance guidelines for Zions’ nationwide properties • Managed customer service line, handling loan fee waivers and explaining prepayment penalties for loan agreements, also serving as mediator, escalating calls to management when necessary. • Floating teller to all bank retail branches in three counties with up to 100 branches statewide • Appointed projects with Private Banking, Women's Financial Services, and Property Management • Assigned 8-week task with Zions Bancorporation fraud team learning incoming check kiting schemes Show less



10x Marketing

• United Kingdom
• Advertising Services
• 1 - 100 Employee

• Content Writer

  • Sep 2004 - Sep 2006

  Orem, UT • Wrote creative web content for client websites to aid their traffic for search engine optimization • Led prospective businesses pilot testing by making calls to sell keyword optimization product



Convergys Intelligent Contact

• United Kingdom
• Outsourcing and Offshoring Consulting
• 500 - 600 Employee

• Outbound Sales Representative

  • May 2003 - Jan 2006

  Orem, UT I held this part-time position towards the end of college and continued this as a side job after graduation. I became a seasoned and successful sales associate making outbound calls to market credit card promotions. I met various sales goals, and received many awards for providing a positive customer service experience.