Summary
Overview
Work History
Education
Skills
Timeline
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AMAURIS X HERNANDEZ

Bergenfield,NJ

Summary

Professional with a strong foundation in risk assessment and financial analysis. Skilled in evaluating creditworthiness, analyzing financial statements, and managing risk exposure. Adept at fostering team collaboration and adaptable to changing needs to ensure optimal results. Known for precision, reliability, and delivering impactful outcomes in underwriting.

Overview

6
6
years of professional experience

Work History

Credit Risk Underwriter

Constrafor
11.2024 - Current
  • Analyze financial statements, business formation documents and legal documents to assess risk during underwriting process.
  • Document comprehensive explanations of underwriting decisions and provide evidence of compliance with applicable regulations.
  • Responsible for the entire lifecycle of underwriting credit transactions from pre-clearing, due diligence, approval, and funding, to post-close monitoring.

Underwriter

Bluevine Capital
04.2024 - 11.2024
  • Underwrite Small business loan applications with adherence to company SOPs.
  • Analyze client data including financial statements, bank statements, tax returns and business and personal credit reports.
  • Determine client credit worthiness and structure loans within established guidelines.

Senior Onboarding & Risk Operations Analyst

Bluevine Capital
02.2023 - 04.2024
  • Perform KYC and KYB due diligence on prospective sole proprietorship, partnership, LLC and incorporated clients.
  • Build and improve multiple KYC and KYB standard operating procedures.
  • Utilize investigation software vendors, SOS filings, and OFAC reviews to achieve a high level of customer due diligence and business verification.

Onboarding & Risk Operations Analyst

Bluevine Capital
05.2021 - 02.2023
  • Perform KYC and KYB due diligence on prospective sole proprietorship, partnership, LLC and incorporated clients.
  • Build and improve multiple KYC and KYB standard operating procedures.
  • Utilize investigation software vendors, SOS filings, and OFAC reviews to achieve a high level of customer due diligence and business verification.

Loan Administrator

Valley Bank
09.2020 - 05.2021
  • Complete commitment letters and closing documents for cash value line of credit accounts in compliance with underwriter approvals.
  • Act as a liaison between business development officers, underwriters, and customers.

Credit Analyst

Bluevine Capital
02.2020 - 09.2020
  • Analyze bank data, public data and KYC/KYB reviews on all applicants.
  • Verify credit qualifications and financial assessments on applicants.
  • Assist the Loan Servicing team in the maintenance of payoffs/closing requirements.

Education

Certificate - Commercial Credit

Moody’s Analytics
03.2023

M.B.A. - Finance

William Paterson University
Wayne, NJ
05.2020

B.B.A. - Finance

Ramapo College of New Jersey
Mahwah, NJ
12.2017

Skills

  • Certified in Formal Credit Analysis
  • Teaching, Team Leading, Cross-functional collaboration, and go-to-market planning skills
  • Advanced KYB and KYC verification skills using multiple vendors such as Middesk, CLEAR, Lexis Nexis, Sentilink, Socure and Mitek

Timeline

Credit Risk Underwriter

Constrafor
11.2024 - Current

Underwriter

Bluevine Capital
04.2024 - 11.2024

Senior Onboarding & Risk Operations Analyst

Bluevine Capital
02.2023 - 04.2024

Onboarding & Risk Operations Analyst

Bluevine Capital
05.2021 - 02.2023

Loan Administrator

Valley Bank
09.2020 - 05.2021

Credit Analyst

Bluevine Capital
02.2020 - 09.2020

M.B.A. - Finance

William Paterson University

B.B.A. - Finance

Ramapo College of New Jersey

Certificate - Commercial Credit

Moody’s Analytics

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