Catrina Membreno
Credit Underwriter
Odenton,MD
Summary
Experienced in financial analysis, risk assessment, and deal structuring—Excelling in supporting customers while upholding the integrity of business processes. My background in agile teams and project management has honed my ability to adapt seamlessly across diverse industries. Strong foundation in customer service with a proven track record in retail. Served as front-store and pharmacy customer service at CVS from 2012-2020. Since 2015, I have excelled as a Beauty Advisor at Sephora, consistently achieving top-tier sales performance and exceeding key performance indicators (KPIs).
Overview
17
17
years of professional experience
Work History
UNDERWRITER
Live Oak Bank
07.2021 - 03.2025
- Analyze financial data and relay associated risks to the Lending Team.
- Conventional and SBA 7(a) loan underwriting, including small loans, refinance loans, expansion/acquisition loans, CRE loans, and pari passu loans.
- Maintain working knowledge of SBA SOP, procedural notices, and Bank Credit Policy.
- Familiarity with deal structuring and determining options within SBA and/or Bank credit underwriting guidelines.
- Support the Closing process by following loan progress from Due Diligence to Funding: including ordering and evaluating 3rd party reports, issuing change memos as needed, and monitoring underwriting Closing Conditions.
- Proficiency in WorkDay and Salesforce.
- Successfully continued to build rapport with both new and existing Borrowers.
- RIAs, CPAs, Independent Insurance Agencies, Law Firms
- Live Oak Bank (Remote)
MERGERS & ACQUISITIONS (M&A) ASSOCIATE
Live Oak Bank
09.2019 - 12.2021
- Worked closely with the Managing Director to identify M&A Opportunities in the Government Contracting Space.
- Represented both buyers and Sellers. Generated CIM materials for sell–side clients.
- Light cashflow analysis of sell–side clients.
- Gained knowledge of deal structuring and SBA lending opportunities.
- Maintained outreach/contact list and managed both cold and warm leads.
- Successfully represented one Seller and one Buyer as the only M&A advisor throughout a transition period in the Bank after BD/Advisory/M&A group was disbanded. Both clients were successfully closed prior to dedicating my full attention to underwriting (continued M&A duties while transitioning to a full–time underwriting position).
- Invoiced clients using QuickBooks
- Live Oak Bank (Remote)
INTERN/EA TO J. PATRICK KELLEY, EVP – STRATEGY
Live Oak Bank
06.2019 - 09.2019
- Onboard new clients and manage proposals and contracts.
- Assisted with BD/Advisory/ M&A Services
- Organized meetings, data, and tracked metrics for the team.
- Coordinate outreach and marketing efforts.
- Live Oak Bank (Washington, DC)
Estimating Coordinator, Assistant Facility Security Officer, and Office Manager
06.2017 - 02.2019
- Title Changes included Previous Duties as Accounting Assistant, accounts payable, accounts receivables, and payroll entry (Please see below)
Office Manager
Southern Insulation, Inc (Construction)
01.2012 - 02.2019
- Direct report to company Controller. Assisted the Controller with daily financial operations duties.
- Supervised Human Resources/Payroll operations. Standardized forms for accounting reporting, responsible for monthly labor union reporting and payments for three separate unions. Entered, verified, and approved all A/P and A/R invoices.
- Generated all AIA billings.
- Standardized purchase order numbering system. Created a new job numbering system.
- Maintained familiarity with Davis Bacon wage rates and laws on all active construction projects. Ensured Davis Bacon payroll wage rates compliance.
- Maintained company State and Specialty business licenses.
Assistant FSO
06.2009 - 02.2019
- Duties required active Secret Clearance. - Maintained security and discretion of government Confidential and government Secret documents.
- Assured the safety of classified documents and worked with the Defense Security Service to ensure background checks and appropriate levels of government Secret or Top-Secret Clearance were issued and maintained.
Estimating Coordinator
06.2009 - 06.2017
- Received, processed, and prepared bid packages for construction solicitation opportunities. Located and printed plans and specifications for job bidding and distributed information accordingly to Project Managers. Managed contract change orders for multiple construction projects.
Accounting Assistant
Southern Insulation, Inc
02.2008 - 06.2009
- Maintained accounting records and filing system. Intermediate proficiency in Timberline accounting software including accounts payable, accounts receivable, payroll, and Report Designer. Responsibilities included accounts payable, accounts receivable and payroll processing/accounting. Drafted certified payroll statements of compliance for government jobs requiring special rates according to Davis Bacon wage laws.
Education
BACHELOR’S DEGREE - Finance
UMGC
01.2019
ASSOCIATE’S DEGREE - Accounting
PGCC
01.2010
Skills
- Financial Statement Analysis
- Cross-Functional Professional
- Risk Assessment
- Salesforce User
- Microsoft 365 and Office
- Clear Communicator
- Time Management & Organizational Skills
- Analyzing data
- Problem-Solving
- Critical Thinking and Attention to Detail
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Work Location
RemoteTimeline
UNDERWRITER
Live Oak Bank
07.2021 - 03.2025
MERGERS & ACQUISITIONS (M&A) ASSOCIATE
Live Oak Bank
09.2019 - 12.2021
INTERN/EA TO J. PATRICK KELLEY, EVP – STRATEGY
Live Oak Bank
06.2019 - 09.2019
Estimating Coordinator, Assistant Facility Security Officer, and Office Manager
06.2017 - 02.2019
Office Manager
Southern Insulation, Inc (Construction)
01.2012 - 02.2019
Assistant FSO
06.2009 - 02.2019
Estimating Coordinator
06.2009 - 06.2017
Accounting Assistant
Southern Insulation, Inc
02.2008 - 06.2009
ASSOCIATE’S DEGREE - Accounting
PGCC
BACHELOR’S DEGREE - Finance
UMGC
Similar Profiles
Morgan AyscueMorgan Ayscue
Underwriting Team Manager at Live Oak BankUnderwriting Team Manager at Live Oak Bank
Mike BrownMike Brown
V.P. of Software Engineering ( Platform and Developer Experience Manager) at Live Oak BankV.P. of Software Engineering ( Platform and Developer Experience Manager) at Live Oak Bank
Eric ThompsonEric Thompson
Senior Automation Engineer at Live Oak BankSenior Automation Engineer at Live Oak Bank
Poupina Margritte ZeguePoupina Margritte Zegue
Accountant at BAMENDA POLICE COOPERATIVE CREDIT UNIONAccountant at BAMENDA POLICE COOPERATIVE CREDIT UNION
ZINAT ZUBAIRZINAT ZUBAIR
Psychiatric Rehabilitation Program (PRP) Counselor at EB Behavioral Health ServicesPsychiatric Rehabilitation Program (PRP) Counselor at EB Behavioral Health Services