Daniel Estrada
Olathe,KS
Summary
Operations‑minded professional with a background in sales, credit analysis, and cross‑functional coordination. Known for accuracy, problem solving, and supporting efficient workflows across teams. Brings a strong understanding of underwriting and customer needs from sales experience, with a focus on delivering consistent, high‑quality results in fast‑paced environments.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Business Development Manager
RTS Financial
Overland Park, KS
07.2025 - Current
- Prospected and qualified carriers, selling RTS factoring solutions and converting competitors’ clients by demonstrating operational and financial value.
- Completed full factoring applications, gathered all required documents, and coordinated with underwriting and operations to move deals efficiently through approval and onboarding.
- Structured customized offers based on each carrier’s needs and presented deals in committee, ensuring alignment with risk, compliance, and operational requirements.
- Guided carriers through contract execution, set accurate funding expectations, trained them on RTS Pro, and maintained strong post‑funding relationships while cross‑selling additional RTS services and referral programs.
Vice President – Kansas Branch
Global Equity Finance
Olathe, KS
03.2024 - 07.2025
- Opened and established the Olathe branch from the ground up, growing the team from 0 to over 50 employees within one year.
- Manage daily branch operations including origination, compliance, hiring, and team performance.
- Developed and implemented a comprehensive Standard Operating Procedure (SOP) to onboard and guide new employees, ensuring consistency, efficiency, and alignment with company objectives.
- Foster a results-driven environment that emphasizes accountability to KPIs and regulatory standards.
- Developed a KPI Dashboard to monitor and evaluate individual sales representatives' performance, enabling data-driven decision-making and performance optimization.
- Implemented new team roles to support organizational growth and improve operational efficiency, while optimizing payroll structure to control costs.
Director of Credit Operations
Global Equity Finance
San Diego, CA
05.2020 - 03.2024
- Oversaw all credit and underwriting functions, managing risk assessment and loan pipeline performance.
- Led a team of 22 analysts and pre-underwriters, enhancing productivity and compliance using AUS technologies.
- Collaborated with executive and sales leadership to ensure alignment between operations and growth targets.
- Introduced new product offerings including Non-QM loans, HELOCs/HELOANs, and Private Equity solutions; established partnerships with new lenders to diversify revenue streams and enhance client offerings.
- Trained the team to adopt creative problem-solving strategies to improve loan approval rates, with a focus on supporting credit-challenged clients through tailored solutions and extra diligence.
Vice President of Sales
Global Equity Finance
San Diego, CA
11.2021 - 09.2022
- Directed the entire sales department of 40+ Loan Officers, including additional management staff, providing strategic leadership, performance oversight, and operational guidance to drive revenue growth and team success.
- Designed and launched sales competitions to drive performance, boost team engagement, and foster a results-oriented culture.
- Designed and implemented performance-based KPI systems to boost team productivity.
- Supported compliance and training functions across multiple teams to ensure high-quality pipeline management.
Credit/Program Analyst Assistant Manager
Global Equity Finance
San Diego, CA
02.2020 - 05.2020
- Supervised Junior analysts and provided guidance on loan decisions.
- Ensured compliance with regulatory and investor guidelines.
- Acted as liaison between operations and underwriting teams.
- Owned end‑to‑end credit training for new analysts, and provided cross‑department coaching to improve consistency and accuracy.
Credit Analyst
Global Equity Finance
San Diego, CA
08.2019 - 02.2020
- Conducted credit analysis and risk evaluation on average of 20 residential mortgage applications per day.
- Reviewed and analyzed income documentation across various income types to ensure an accurate approval based on qualifying ratios; proactively assessed loan files to guarantee underwriting approval readiness.
- Ran AUS systems and communicated findings to loan officers and underwriters.
- Made approval or denial calls based on program guidelines and overlays, always looking for a way to structure the deal for approval, and only denying when no workable option existed.
Credit Analyst
National Funding
San Diego, CA
05.2018 - 08.2019
- Analyzed creditworthiness of small to mid-sized businesses applying for working capital loans, reviewing financial statements, bank activity, cash flow, and credit reports.
- Assessed risk profiles and made informed credit decisions in alignment with company underwriting guidelines and risk scores.
- Collaborated with underwriters and sales teams to structure loan terms that met both client needs and company objectives.
- Maintained a high approval accuracy rate while managing a large volume of applications under tight deadlines.
- Delivered clear, data-backed recommendations to leadership, helping reduce default risk and improve portfolio quality.
- Ensured compliance with internal policies and industry regulations throughout the credit evaluation process.
Credit Analyst
Global Equity Finance
San Diego, CA
07.2015 - 05.2018
- Conducted credit analysis and risk evaluation on average of 20 residential mortgage applications per day.
- Reviewed and analyzed income documentation across various income types to ensure an accurate approval based on qualifying ratios; proactively assessed loan files to guarantee underwriting approval readiness.
- Ran AUS systems and communicated findings to loan officers and underwriters.
- Made approval or denial calls based on program guidelines and overlays, always looking for a way to structure the deal for approval, and only denying when no workable option existed.
Education
High School Diploma -
Helix Charter High School
San Diego, CA05.2011
Skills
- Credit Analysis
- Risk Assessment & Decision‑Making
- Adherence to Credit Policies & Guidelines
- Relationship Building
- Problem Solving & Critical Thinking
- Cross‑Functional Collaboration
- Coaching & Training
- Client Needs Assessment & Solution Selling
Certification
- Mortgage Loan Originator License – California DFPI
- NMLS ID: 1417693
- MU4 – Mortgage Loan Originator License
- MU2 – Control Person (Executive Officer) License
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Business Development Manager
RTS Financial
07.2025 - Current
Vice President – Kansas Branch
Global Equity Finance
03.2024 - 07.2025
Vice President of Sales
Global Equity Finance
11.2021 - 09.2022
Director of Credit Operations
Global Equity Finance
05.2020 - 03.2024
Credit/Program Analyst Assistant Manager
Global Equity Finance
02.2020 - 05.2020
Credit Analyst
Global Equity Finance
08.2019 - 02.2020
Credit Analyst
National Funding
05.2018 - 08.2019
Credit Analyst
Global Equity Finance
07.2015 - 05.2018
High School Diploma -
Helix Charter High School