JANIQUE SCALES
Chicago,IL
Overview
6
6
years of professional experience
1
1
Certification
Work History
Consumer Loan Underwriter
Horne - Remote
11.2022 - 05.2024
- Strong understanding of interpreting financial statements,personal credit reports, and financial ratios.
- Reviewed documents related to the customers income,asset, credit reports as well as appraisal reports.
- Ensuring loans are complete with high attention to details, accuracy, while complying with company standards, and or investor guidelines.
- Work daily with investors, lending officers, second level auditors, loan processors, and processing managers as needed to ensure all parties are aware of current loan status to finalize options
- Pinpoint potential areas of risk and off setting, compensating factors and interpret in a broad, comprehensive manner.
Merchant Cash Advance Underwriter
Advantage Merchant Funding
03.2019 - 09.2022
- Evaluated and assessed over 300 loan applications monthly, utilizing advanced risk assessment tools.
- Provided guidance and support to junior underwriters.
- Assessed and evaluated risks associated with insuring merchants and small businesses and pricing deals.
- Maintained a portfolio of clients and conducted merchant interviews.
- Interacted with internal sales force and external funding partners.
- Sustained a 89.4% accuracy rate in underwriting evaluations, which minimized financial risks for the company.
Credit Analyst
Pc Richard & Son
02.2018 - 01.2019
- Conducted industry research to understand economic conditions impacting borrower ability to repay loans
- Investigated and resolved customer disputes related to credit decisions
- Evaluated clients' credit data and financial statements in order to determine the degree of risk involved in lending money to them
- Analyzed client records and using the data to recommend payment plans
- Supported clients through credit application.
Education
Associate of Applied Science - Financial Management
Borough of Manhattan Community College of The City University of New York - New York, NY
New York, NY12.2021
Skills
- Data communication
- Risk Management
- Analytical
- Microsoft office
- Due diligence
- Underwriting guidelines
- Debt-to-Income Ratios
- Loan structuring
Certification
- Wall Street Prep
- Corporate Finance Institute
Timeline
Consumer Loan Underwriter
Horne - Remote
11.2022 - 05.2024
Merchant Cash Advance Underwriter
Advantage Merchant Funding
03.2019 - 09.2022
Credit Analyst
Pc Richard & Son
02.2018 - 01.2019
Associate of Applied Science - Financial Management
Borough of Manhattan Community College of The City University of New York - New York, NY
- Wall Street Prep
- Corporate Finance Institute