CARLOS BUCHACA
Sr. Underwriter
West New York,NJ
Summary
Dedicated Financial professional with history of meeting company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.
Overview
5
5
years of professional experience
6
6
years of post-secondary education
2
2
Certifications
2
2
Languages
Work History
Director of Underwriting
TopRock Funding LLC
New York, NY
10.2019 - Current
- Collected, analyzed, and manage quantitative data and create meaningful reports to lead business improvements
- Credit and Income analysis
- Equity valuation using fundamental analysis
- Conduct due diligence on the applicant's business using software's like Clear (Thomson Reuters), TLO, Microbilt, Safer, etc
- Assess investment decisions depending on risk factors, Credit reports, and information collected to determine the level of collectability and risk for the company
- Synthesizing and analyzing financial data (like budgets and income statement forecasts) with consideration for the company’s goals
- Consulting with upper management to influence long-term, strategic decision making
- Evaluate each individual business based on multiple factors and provide recommendations for exceptions to senior management
- Serve as a resource to junior underwriters regarding bank review, due diligence, stipulations, requirements, and pricing
- Collaborate with Processing department to finalize contracts and interface with external partners
Director of Underwriting
Cardinal Equity, LLC
New York, NY
03.2018 - 10.2019
- Lead a department and provide guidance to a team of 4 underwriters
- Update company's underwriting guidelines on a monthly basis
- Administer risk analysis of all deals through a deep inquiry into the applicant's financials, industry, locations, etc
- Conduct due diligence on the applicant's business using software's like Clear (Thomson Reuters),Microbilt, Safer, Google, etc
- Assess investment decisions depending on risk factors, Credit reports, and information collected to determine the level of collectability and risk for the company
- Perform cash management and syndication analysis depending on the risk tolerance of each investor
- Present portfolio analysis with the investor (present updates on deals in collection status, ROI analysis, static pool, net cash, etc.)
- Assist cash manager with preparation of the monthly status report.
Underwriter
Cardinal Equity, LLC
New York, NY
04.2017 - 03.2018
- Analyze client credit data and financial statements to determine MCA pricing in accordance with the company's underwriting model
- Collected and reviewed financial data from various sources (Decision Logic, Balance Sheet, Tax Returns, Accounts Receivable report, P&L, etc.)
- Created, maintained, and updated financial databases and spreadsheets, and generated various financial reports as required
- Supported assigned managers in managing, tracking, monitoring, and reporting financial data
- Build and maintained relationships with clients through proactive communications and interpersonal skills.
Education
Bachelor of Science - Accounting and Finance
Universidad de la Habana
09.2010 - 06.2016
Skills
Financial and operational reporting
Advanced financial analysis
Adobe software
Strategic financial planning
Excellent attention to detail
Certification
Passed Level I of the CFA program
Timeline
Securities Industry Essential Present
11-2021
Passed Level I of the CFA program
10-2021
Director of Underwriting
TopRock Funding LLC
10.2019 - Current
Director of Underwriting
Cardinal Equity, LLC
03.2018 - 10.2019
Underwriter
Cardinal Equity, LLC
04.2017 - 03.2018
Bachelor of Science - Accounting and Finance
Universidad de la Habana
09.2010 - 06.2016