Ashford University

Murry Bergtraum High School for Business Careers

Corporate International Financial Analyst at Altair Global

Altair Global

Corporate International Financial Analyst

Responsible for under writing conforming and non-conforming mortgage loans up to$500,000︎•  Provided 24hr turn around on an average of 6 new loan submissions per day︎•  Reviewed personal and business financial statement including IRS Tax Returns/Transcripts, CBRs, company & CPA prepared financial statements, other business documentation to calculate customer’s income and evaluate financial strength and repayment capacity︎•  Analyzed third party property appraisals and environmental reports to determine the strength of the deal︎•  Maintained compliance with lending, underwriting and government guidelines︎•  Able to articulate credit decisions, both verbally, and written to internal and externalcustomers︎•  Successfully completed formal credit training program︎•  Independently managed a pipeline of 50 loans︎•  Achieved 100% quality with no audit findings from Quality Control︎

Chase

Credit Underwriter

- Responsible for underwriting construction bonds of high value assets up to $5,000,000•	Evaluated creditworthiness and established credit limitations•	Reviewed business’s financial statement provided -  IRS Tax Returns/Transcripts, CBRs, Duns & Bradstreet reports, company & CPA prepared financial statement, asset & depreciation schedules, and other business documentation•	Analyze, evaluate and interpret data concerning financial stability, as well as current and future financial trends•	Prepared and conducted cash/flow analysis based on historical, projected results•	Prepared and analyzed pro forma statements based on company projections•	Followed the SBA’s underwriting guidelines to determine credit extension eligibility for small business applicants•	Reviewed construction contracts and jobs specifics for bond evaluation•	Successfully manage and underwrite 6 to 10 account submission while providing 97% quality assurance•	Produce reports on research results implemented spreadsheets and statistical software to analyze data

Tokio Marine HCC

Associate Contract Bond Underwriter

- Handled the tasks of accounting such as preparing financial reports, invoices, managing employee payroll, processing accounts payable and accounts receivable︎•  Prepared invoices, process payments, and age the accounts receivable subsidiaryledger for premium capture︎•  Verified and posted accounts receivable transactions to journal and ledger accounts︎•  Prepared monthly, quarterly, and yearly journal entries for the General Ledger close process︎•  Conducted new hire operations, recruited, screened, interviewed, and hired employees︎•  Administered company’s compensation and benefit  programs, including insurance andpension plans︎•  Responsible for processing payroll, year end W2s as well as quarterly and year endtaxes

Bene-Marc, Inc

Financial Officer

- Managed schedules, organized office functions and oversaw daily operation of theoffice with 4 staff members ︎•  Hired, trained, and on-boarded new employees and provided initial support︎•  Assigned workloads, oversaw scheduling and established goals and objectives for the team︎•  Responsible for processing payroll, W2s, quarterly and year end taxes︎•  Responsible of selling and underwriting various types of insurance policies, including:personal auto, renters, homeowners, condo, general liability, E&O, EPL, inland marine, boiler and machinery, wind and earthquake, liquor liability, professional liability, commercial auto, life, health︎•  Assisted customers in filling claims for their insurance policies

Nilka Diaz