Carlos A Cornejo
Summary
Highly skilled Final Underwriting MCA Manager with extensive experience in assessing creditworthiness, analyzing financial documents, and making accurate funding decisions. Proven track record of leading a successful underwriting team while ensuring accuracy, consistency, and compliance with company policies and industry regulations. Results-driven management professional with over 6 years of experience leading high-performing teams to achieve organizational goals and exceed performance targets. Dedicated to driving continuous self improvement and achieving business objectives.
Overview
8
8
years of professional experience
Work History
Underwriting Coordinator
Vader Mountain Capital
02.2021 - 02.2024
- Lead and oversee the final underwriting process for merchant cash advance (MCA) applications, ensuring accuracy, consistency, and adherence to company policies and industry regulations.
- Manage a team of underwriters responsible for reviewing and evaluating merchant financial documents, credit reports, and other relevant information to assess creditworthiness and determine funding eligibility.
- Develop and implement underwriting guidelines, procedures, and decision-making frameworks to streamline processes and optimize efficiency.
- Monitor underwriting metrics, portfolio performance, and quality control measures to identify trends, patterns, and areas for improvement.
- Stay updated on industry regulations, market trends, and best practices related to merchant cash advance underwriting.
Financial Underwriter
Vader Mountain Capital
11.2019 - 02.2021
- Review merchant cash advance applications in the final underwriting stage, assessing creditworthiness, repayment capacity, and funding eligibility.
- Analyze merchant financial documents, credit reports, bank statements, and other relevant information to verify accuracy, completeness, and consistency.
- Make final underwriting decisions based on established guidelines, risk assessment, and funding parameters, ensuring compliance with company policies and industry regulations.
- Maintain accurate records, documentation, and audit trails of underwriting decisions, ensuring completeness and transparency in the underwriting process.
- Provide support and guidance to underwriting team members, assisting with complex cases, reviewing exceptions, and sharing knowledge and best practices.
General Manager
Party City (Halloween City)
08.2019 - 11.2019
- Oversee and manage all aspects of retail operations to ensure efficiency, profitability, and exceptional customer service.
- Lead and motivate a team of retail staff to achieve sales targets and uphold company standards.
- Ensure compliance with company policies, procedures, and regulations, including health and safety standards.
- Hire, train, and evaluate retail staff, providing ongoing coaching and development to enhance performance.
- Set sales targets and monitor individual and team performance, implementing corrective actions as needed.
- Monitor inventory levels, merchandise presentation, and store cleanliness to maintain a positive shopping environment.
Assistant Manager
Extra Space Storage
05.2018 - 08.2019
- Increased customer satisfaction by providing exceptional service and conducted company sale process to address customer needs promptly.
- Managed daily operations for efficient facility management, ensuring a clean and well-maintained environment.
- Manage property occupancy including move ins and move outs.
- Meet all the company goals including occupancy, insurance avg, Google reviews, total rentals, and lead conversions.
- Audit property and set up vendor appointments to address any issues found
FT Merchandise Specialist
Party City
12.2017 - 05.2018
- Implemented loss prevention strategies to minimize shrinkage and maintain profitability.
- Supported sales goals by strategically placing promotional materials and optimizing shelf space usage according to planogram guidelines.
- Monitored cash drawers in multiple checkout stations and maintained adequate cash supply.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Reconciled cash drawer at start and end of each shift, accounting for errors, and resolving discrepancies.
- Handled returns and exchanges efficiently, adhering to store policies while maintaining a focus on customer satisfaction.
PT Merchandise Specialist
Party City
11.2017 - 12.2017
- Implemented loss prevention strategies to minimize shrinkage and maintain profitability.
- Supported sales goals by strategically placing promotional materials and optimizing shelf space usage according to planogram guidelines.
- Monitored cash drawers in multiple checkout stations and maintained adequate cash supply.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Reconciled cash drawer at start and end of each shift, accounting for errors, and resolving discrepancies.
- Handled returns and exchanges efficiently, adhering to store policies while maintaining a focus on customer satisfaction.
FEC(Supervisor)
Party City
06.2017 - 11.2017
- Implemented loss prevention strategies to minimize shrinkage and maintain profitability.
- Supported sales goals by strategically placing promotional materials and optimizing shelf space usage according to planogram guidelines.
- Monitored cash drawers in multiple checkout stations and maintained adequate cash supply.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Reconciled cash drawer at start and end of each shift, accounting for errors, and resolving discrepancies.
- Handled returns and exchanges efficiently, adhering to store policies while maintaining a focus on customer satisfaction.
Store Associate
Party City
08.2016 - 06.2017
- Provided exceptional services and pleasant shopping experiences to retail customers.
- Improved inventory accuracy by conducting regular stock audits and updating records accordingly.
- Stocked shelves to match planogram images and instructions.
- Answered customer questions and provided detailed product information.
- Maintained store assets with effective loss prevention strategies.
- Managed time efficiently in order to complete all tasks within deadlines.
Education
High School Diploma -
Hialeah Gardens High School
Hialeah Gardens, FL06.2017
Skills
- Experian analysis
- Multitasking Abilities
- MCA Underwriting
- Finance management
- Retail management
- Lexis Nexis reports
- Analytical Thinking
- Teamwork and Collaboration
- Verbal Communication
- Customer Service
- Critical Thinking
- MS Office
References
- Jose Fernandez - Everest Business Funding Department Manager - 305-721-9880
- Annelis Garcia - Vader Mountain Capital Department Manager - 786-663-6269
- Angel Blazquez - Extra Space Regional Trainer - 786-426-8453
- Jordan Contreras - Lexus Detailing Manager - 786-865-0626
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Underwriting Coordinator
Vader Mountain Capital
02.2021 - 02.2024
Financial Underwriter
Vader Mountain Capital
11.2019 - 02.2021
General Manager
Party City (Halloween City)
08.2019 - 11.2019
Assistant Manager
Extra Space Storage
05.2018 - 08.2019
FT Merchandise Specialist
Party City
12.2017 - 05.2018
PT Merchandise Specialist
Party City
11.2017 - 12.2017
FEC(Supervisor)
Party City
06.2017 - 11.2017
Store Associate
Party City
08.2016 - 06.2017
High School Diploma -
Hialeah Gardens High School
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