Experience

Credit underwriting support, business review, and finance-focused analysis.

Professional Experience

Roles across credit underwriting, retail banking, and small business research.

Credit Analyst & Underwriter

MMP Capital

Farmingdale, NY

03/2024 – Present

Equipment financing and leasing company lending nationwide.

  • Underwrite equipment finance and leasing transactions up to $1.7 million for commercial borrowers nationwide, holding independent credit approval authority to $250,000.
  • Analyze business and personal financial statements, tax returns, and bank statements to assess cash flow, liquidity, leverage, and repayment capacity under credit policy.
  • Render credit decisions within hours on transactions averaging approximately $150,000; structure and syndicate larger, more complex requests across approximately 10 lending partners, securing lender decisions typically within 24 hours.
  • Structure term, pricing, collateral, and guaranty requirements with sales representatives to fit borrower risk profiles within credit policy and portfolio risk appetite.
  • Present approvals, declines, stipulations, and counteroffers to brokers, vendors, sales teams, and lending partners, sustaining high-volume deal flow without sacrificing credit quality.
  • Detect and escalate fraud indicators and policy exceptions during file review, protecting portfolio quality.
  • Represent credit at weekend trade shows and vendor sales events, partnering with sales teams to accelerate financing opportunities.

Bank Teller

Dime Community Bank

Garden City, NY

09/2023 – 03/2024
  • Processed high-volume cash transactions with full accuracy under banking regulations and cash-handling procedures while resolving customer issues and supporting branch product goals.

Research Intern

FSC Small Business Development Center

Farmingdale, NY

01/2023 – 06/2023
  • Researched funding and advisory resources for entrepreneurs with disabilities.

Certifications & Learning

Ongoing study areas alongside certifications and tools that support long-term growth.

Current Focus

  • CLFP preparation
  • Equipment leasing and finance
  • Vendor fraud awareness
  • Commercial credit analysis
  • AI tools for finance productivity

Certifications & Tools

  • Certified Lease & Finance Professional (CLFP) — Candidate; exam expected November 2026
  • Credit Risk Analysis & Underwriting — Coursera & Starweaver, 2025
  • Business Analytics Certificate — Harvard Business School Online, 2024
  • Advanced Excel (regression, data analysis) · Salesforce · Microsoft Word, PowerPoint, Outlook