Amber Breaker

• Provide merchant cash advance amounts and terms for Working Capital and Line of Credit products
• Review financial documents such as business bank account statements, tax returns, balance sheets and profit and loss items to determine a merchant's affordability
• Review entity documents such as Operating Agreements, SOS item and other proof of ownership documents
• Evaluate credit and background/CLEAR reports for creditworthiness of applicants
• In communication with Sales team about outstanding items required to close and fund the deal
• Confer with Compliance team about any items in which either party need clarification, in order to put final

stamp of approval on the deal

• CRM, Tax Guard, DataMerch used as part of daily operations

• Reviewed appraisals to ensure subject properties aligned with company policy and applicable scope of work documents
• Reviewed short term bridge loans (construction and rent ready)
• Communicated with lenders about any updated or outstanding items required to complete files for final purchase approval or rejection
• Reviewed closing documents (such as settlement statements, title documents, promissory notes and entity documents) to ensure consistency and accuracy.
• Payoffs: Reviewed payoffs to verify line item accuracy (default interest, construction reserves, UPB, etc.)
• Extensions: Collected and reviewed outstanding items needed from the borrower in order to process extensions for matured loans.

• Researched borrowers and entities to detect potential for fraud
• Reviewed asset documents for accuracy and compliance within company standards
• Reviewed DSCR loans (purchases, refinances and short-term rentals)
• Examined credit, appraisal reports, title and hazard insurance documents to determine if they adhered to company guidelines
• Approved or suspended files, saved findings to an Excel report
• Added and cleared conditions to loan file, communicated with processors and loan closers, if needed, for ETAs and clarification.

• Verified subject property information for accuracy before submitting valuations, CDAs and BPOs for account executives
• Imported borrower and subject property information from Salesforce into Calyx Point
• Reviewed fully executed closing packages for accuracy before submitting for funding approval, communicated with title for corrections if needed
• Ensured all conditions have been cleared correctly before submitting for funding approval
• Worked closely with account executives and processors to correct errors, or provide outstanding documents before sending files through the pipeline

• Reviewed documents such as leases, tax certs, title documents and hazard binders to check for clerical errors and expiration dates
• Ensured property tax, hazard and HOA escrows were properly calculated
• Input loan conditions for processors to complete before sending the loan through the pipeline
• Ensured that all conditions are concise, accurate, and have been cleared properly
• Findings were saved and uploaded via Excel report

• Processed incoming documents from other IRS centers in the US
• Collaborated with team members to route time-sensitive packages to the correct departments
• Maintained filing systems for documents such as passports, death certificates and checks with large payment amounts