Julian German
Elizabeth,NJ
Summary
Underwriter with over four years of experience reviewing credit risk, cash flow, and supporting documentation across debt relief, alternative lending, and mortgage environments. Regularly responsible for approval, conditional approval, and decline decisions based on policy, financial durability, and overall risk exposure. Proven ability to manage high file volume while producing clear, practical underwriting notes that hold up under review.
Overview
5
5
years of professional experience
Work History
Underwriter / Credit Risk Specialist
United Settlement
New York, New York
02.2025 - Current
- Assess financial profiles, cash flow, and credit strength to determine eligibility, risk fit, and long-term sustainability.
- Review bank statements and credit reports to identify volatility, stacking exposure, NSF activity, and material inconsistencies.
- Make approval, conditional approval, and decline decisions within policy, documenting rationale clearly to hold up under audit while managing high file volume.
Senior Underwriter / Risk Review Manager
Beyond Finance
Remote
11.2021 - 02.2024
- Underwrote complex and borderline files, providing second-level review and deeper financial analysis.
- Structured conditional approvals and risk mitigations based on cash-flow strength, exposure, and payment behavior.
- Reviewed portfolio performance trends to identify loss drivers and refine underwriting guidance.
- Served as an escalation point and trained teams on credit analysis, policy interpretation, and audit-ready documentation.
Mortgage Underwriting Analyst
Network Capital Funding
New York, NY
04.2021 - 11.2021
- Reviewed borrower income, assets, credit profiles, and supporting documentation for residential mortgage files.
- Evaluated debt-to-income ratios, credit risk, and guideline compliance prior to submission.
- Worked through underwriting conditions to deliver clean, complete files with accurate documentation.
Education
Bachelor of Arts - Mathematics
Lehman College of The City University of New York
The Bronx, NY05.2019
Skills
- Cash-Flow & Bank Statement Review
- Credit Report Analysis
- Risk Decisioning (Approve / Conditional / Decline)
- Policy Interpretation & Documentation
- Financial Durability Assessment
- Fraud & Inconsistency Identification
- Portfolio Risk Awareness
- Salesforce & CRM Accuracy
Timeline
Underwriter / Credit Risk Specialist
United Settlement
02.2025 - Current
Senior Underwriter / Risk Review Manager
Beyond Finance
11.2021 - 02.2024
Mortgage Underwriting Analyst
Network Capital Funding
04.2021 - 11.2021
Bachelor of Arts - Mathematics
Lehman College of The City University of New York