Risk Analyst & Commercial Underwriter Resume

SUMMARY

Dedicated and accomplished Risk Management Professional offering over 15 years of experience across risk analysis, risk mitigation, internal audit, strategic planning, commercial underwriting, and process optimization verticals.
Experienced analyst with the ability to provide executive leadership teams with solid recommendations.

PROFESSIONAL EXPERIENCE

Confidential

Risk Analyst & Commercial Underwriter

Responsibilities:

Experience in reviewing complex financial documents such as personal and/or business tax returns and financial statements
Responsible for building and preserving internal relationship with business partners.
In depth knowledge of Credit Risk Management principles with a strong capacity to address credit related issues and points of risk to ensure underwriting meets quality assurance and corporate standards.
Manage work across organizational lines to achieve desired results and manage competing priorities.
Exhibit effective communication skills, with the ability to negotiate and work effectively in a collaborative, matrix oriented environment.
Provide relevant and accurate communication of credit risk decisions that impact stakeholders.
Demonstrate problem - solving and analytical skills with attention to detail.
Collaborate frequently with funding underwriting team in the vetting process of large merchants resulting in higher conversion ratio. Frequently distribute full financial review to the funding underwriting team, which is used as a complementary review to the overall vetting process.
Actively support the company’s commitment to preserve its reputation and protect its integrity.
Engage in weekly meetings with Senior Credit Officer and production managers to discuss procedures and appropriately provide challenge to promote efficiencies.
Perform and support detailed data analysis to identify trends.

Confidential

Risk Analyst

Responsibilities:

Implemented new processes to review cases increasing daily productivity by 35%.
Conducted weekly discussions with the commercial underwriting team and compared review notes, which reduced redundancy in the merchant review process.
Periodically shadowed with the commercial underwriting team manager and supervisor to educate them about some of the critical factors that should be considered in the review process of new and existing merchants. This resulted in better performing merchants being introduced to the platform.
Executed periodic financial reviews of large merchants, which includes income statements, balance sheets, tax returns, and profit/loss statements to determine a merchant’s cash flow, revenue, working capital, inventory turnover, retained earnings, gross profit, net income, etc., and made recommendations to upper management and executive leadership that lead to minimal losses.
Actively participated in the launch of Confidential Working Capital, which provided access to additional capital for merchants to grow their business. Performed daily analysis, identified behavioral changes, and made recommendations to management, which affected policies and sometimes mitigating actions that prevented further losses to the organization.
Collaborated frequently with commercial underwriting team in the vetting process of large merchants resulting in greater profit. Frequently distributed full financial review to the underwriting team, which is used as a complementary review to the vetting process.
Selected multiple times to work special projects and provided critical feedback that sometimes affected policies and influenced decisions on whether or not to launch new products.
Worked with legal in the evaluation and development of policies to ensure compliance requirements are met.
Trained peers on techniques to analyze and interpret financial data found on income statements, balance sheet, cash flow statements, and tax returns. Served as a mentor and coach to fellow team members.
Interacted effectively across the organization with management resulting in stronger business relationships.

Confidential

Risk Analyst/Investment Advisor

Responsibilities:

Implemented a policy allowing employees to work on a range of tasks matched to their experience and interests, resulting in higher employee engagement and a 15% increase in quality of work.
Exceeded expectations by completing up to 40 more cases per day than required.

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