San Diego, California, United States
I am a detail-oriented and determined individual that seeks opportunities for personal and professional growth at a reputable company. I am committed to achieving goals and exceeding expectations, which makes me a results-oriented professional with cutting-edge technical abilities and service-oriented experience with proven talent in problem solving and communication.
- Responsible for supervising and guiding a small team of new and junior credit analysts, providing training and support to ensure their successful progression towards independent underwriting - Perform the all duties of a Sr. CA, as well as prepare credit reports summarizing findings and underwriting recommendations for large commercial loan decisions in order to present, defend, and decide on credit proposals to the Credit Committee, offering well-supported recommendations for loan approvals, modifications, or declines. - Acts as a level 1 Credit Committee member, assisting in the approval process for deals up to $599,000. - Acts as the defacto Credit department liaison/SME for technical and analytical projects to improve systems, processes, and policies; provides insight and feedback for project ideation, UAT during development, training during pre-launch, support during launch, and performance tracking during post-launch. - Default point of contact for cross-departmental work with (but not limited to) Risk Analytics, Data Analytics, Sales, L&D, Collections, and Compliance - Participated as a major contributor to, monitors the ongoing performance of, and developed and currently administers the Quality Check program for a new loan origination strategic program in order to increase conversion rate and improve ISO partner relations. - Automated the monitoring of the aforementioned program, as well as the administration of the Quality Check program, using JavaScript and Python
- Leverage my experience and expertise to evaluate the creditworthiness of and make decisions on complex commercial loan applications with a focus on applications from larger entities that qualify for high-dollar loan offers between $500,000 and $5 million - Served as a key point of contact for strategic ISOs, providing clear and concise communication regarding credit decisions and offering alternative financing solutions as needed - Designed, built, and implemented a complete overhaul of the existing Underwriting Training Program to bring all information up-to-date to meet current risk standards, streamline and optimize the entire training process using learning technology, and successfully reduce the overall time required to onboard new Credit Analysts, and time required until they can work independently. - Effectively lead the credit department’s ongoing training activities and develop related materials. - Maintain Credit Department training materials to ensure all policies, procedures, and processes are accurately represented, recommending enhancements as needed. - Assist with ad hoc projects requiring inter-department cooperation to improve credit risk management and compliance processes - Participate in ongoing training to maintain current knowledge of BSA/AML and perform BSA/AML duties as required by job function
- Work independently to underwrite loan applications for initial loan offers to US based SMBs; determine creditworthiness to receive a loan offer by performing KYB due diligence; size and structure loan offers between $10,000 and $5 million as well as review any offer modification requests received; review and process any credit-related documentation submitted post offer presentation; monitor for any signs of fraud or imminent bankruptcy - Review bank statements, financial documents (e.g. tax returns, AR/AP Aging, Debt Schedule, etc), credit reports, and public record to sufficiently meet internal KYB process standards in order to prevent the approval and funding of fraudulent applications - Maintain strong individual metrics pertaining to number of applications decisioned, application approval rates, and preventable loan default rates to help the company continue to break funding records - Work collaboratively with the internal Sales team and ISO partners to present the most appropriately sized offers for the applying business without exceeding an acceptable risk tolerance - Provide support on an ad hoc basis to other departments on various projects to provide feedback and the perspective of the Credit department
• Collaborates closely with Sales, Commercial, Legal and Finance to assist with creating new contracting approaches and proposes solutions to recurring issues in the current process and provides ad-hoc reporting and analysis as needed • Assist in decreasing turnaround time and efficiency by educating internal members on contracts and pricing processes and systems • Investigate contract related disputes for departmental and interdepartmental requests related to contract data. (i.e. Commercial Sales, Customer Service, Finance, Marketing, and Legal) • Prepares financial deal analysis including competitive pricing options based on competition, market share, utilization, costs and other appropriate aspects • Works with field to develop appropriate contract type, scope, price, profit and terms; interprets and modifies contract terms and conditions in accordance with Quidel business policies and practices to meet customer needs • Creates and maintains reports to proactively identify pricing/contract issues and opportunities
• Oversaw the overall and day-to-day administration of approximately 30 government janitorial and/or landscape contracts spanning multiple branches of the government (DoD, GSA, FBI, etc) across 7 states for 6 distinct companies without crossover • Handled all communication between the U.S. government and the 6 companies, including executing modifications and task orders to government contracts • Created pricing proposals as part of the bidding and procurement process of multimillion dollar government contracts • Analyzed historical data to determine labor and supply budgets for each contract, monitored the contracts throughout the month, and conducted individual review meetings with the manager of each contract to ensure compliance to maximize profitability • Analyzed historical data to determine labor and supply budgets for each contract, monitored the contracts throughout the month, and conducted individual review meetings with the manager of each contract to ensure compliance to maximize profitability • Strategized with other departments to devise creative solutions for unanticipated or unprecedented problems
• Responsible for all HR related issues for all operations in the Northern California region. • Thoroughly investigated claims of underpayment, harassment, etc in a timely manner • Administered leaves for FMLA, CFRA, PDL, Personal leaves • Reconcile any paycheck issues to comply with all State and Federal wage and hour laws
• Produced high level analysis of various datasets to identify potential liabilities • Collaborated on and helped to implement new policies targeted at mitigating/eliminating identified potential liabilities • Analyzed raw data from various software systems to create thorough yet concise Executive level reports focused on various HR-related compliance issues (e.g. final check compliance, wage and hour issues, etc) • Accurately reported and managed benefits for over 1400 full time employees across 10 different states and with over 10 different vendors, as well as wage increases for over 10 different Union CBAs, through the use of advanced Microsoft Excel skills • Coded and successfully utilized advanced macros to streamline repetitive monthly duties using Visual Basic for Applications (VBA) in Excel • Working knowledge and utilization of Oracle BI, Lotus Notes, Kronos, HRIS, ADP, Oracle Taleo, etc. • Experience and exposure in most HR related functions, including recruiting for both high-level and administrative positions, benefits administration, employee relations, learning and development, etc. • Conducted internal audits for HR compliance relating to various issues (e.g. I9 documentation, employment verifications, background checks, etc) • Supported HRIS with various functions, including managing union wage step increases, ACA eligibility reports, etc. • Responsible for generating and submitting government-mandated reports, such as the VETS-4212 and the EEOC-1 annual reports
• Accurately reported and managed benefits for over 1400 full time employees across 10 different states and with over 10 different insurance and benefits vendors • Managed and maintained minimum wage compliance with all 20+ relevant city, county, state, and federal laws and ordinances • Addressed all benefit-related inquiries and resolved all benefit-related issues for all 4500+ employees for all states and regions • Assisted in roll-out of new 401K plan and subsequently managed administration of the 401K • Assisted with Open Enrollment and issues arising from OE
• Maximized contract profitability through detailed analysis of time committed • Increased overall efficiency of processes and departments by streamlining processes, reviewing contracts, and developing teamwork • Responsible for reviewing all time sheets with accuracy and fairness • Work closely with the CEO, Heads of Accounting, HR, Marketing, and Sales while maintaining strong communication with each as an individual • Quickly became the most knowledgeable with CRM (ConnectWise), allowing maximum efficacy at utilizing the CRM for advanced reports and analytics • Trained and instilled with a sense of accountability in both my work and personal life