MEGAN KEEFE
Grand Rapids,MI
Summary
Senior Credit Risk Professional with 15+ years of experience in commercial underwriting, portfolio risk management, fintech payments, and credit policy development across banking and high-growth financial services environments. Expertise in evaluating complex business exposures, interpreting financial statements, and optimizing scalable underwriting processes for commercial and payment risk portfolios. Proven success partnering cross-functionally with Product, Compliance, Fraud, Operations, and leadership teams to improve automation, strengthen governance frameworks, and reduce portfolio losses through data-driven risk strategies.
Overview
12
12
years of professional experience
Work History
Senior Underwriter
One Inc
12.2023 - Current
- Conduct comprehensive due diligence and underwriting for new merchant and client applications, ensuring alignment with federal and state regulations, payment brand requirements, and internal risk policies.
- Analyze and calculate risk exposure per client, factoring in product risk levels and projected transaction volumes
- Review and interpret credit reports, financial statements, and bank records to assess client financial health. inconsistencies or risks.
- Perform recurring and ad hoc portfolio reviews to proactively monitor credit exposure, identify deteriorating risk trends, and support ongoing portfolio health.
- Partner cross-functionally with Compliance, Fraud, Operations, and Product stakeholders to support scalable underwriting and onboarding processes.
- Identified underwriting inefficiencies and recommended process improvements to enhance automation, risk consistency, and operational scalability, contributing to streamlined underwriting processes.
- Partner cross-functionally with Compliance, Fraud, Operations, and Product stakeholders to support scalable underwriting and onboarding processes.
Credit Risk Supervisor
Western Union
11.2017 - 12.2023
- Managed a complex commercial credit portfolio of more than 400 high- and low-risk agents with exposures ranging from $150K to $120M, serving as escalation point for high-risk and high-exposure accounts.
- Proactively identified delinquency trends and mitigated losses through portfolio monitoring and exposure analysis, supporting risk-adjusted decision making.
- Assessed capital capacity and determined creditworthiness by interpreting financial statements, tax returns, liquidity metrics, profitability trends, and credit history.
- Collaborated cross-functionally with fraud, collections, compliance, and leadership teams to align credit decisions with organizational risk objectives.
- Developed underwriting procedures, SOPs, and risk governance documentation to improve operational consistency and audit readiness.
- Trained and mentored junior analysts on underwriting standards and financial analysis, enhancing application of credit policy and risk mitigation strategies.
Credit Analyst
Collegiate Peaks Bank
01.2016 - 11.2017
- Assessed commercial and consumer credit risk through analysis of liquidity, profitability, tax returns, cash flow, working capital, and financial statements to inform lending decisions.
- Conducted detailed credit reviews evaluating borrower financial strength, earnings stability, debt obligations, and overall risk exposure to support risk management strategies.
- Underwrote and approved commercial, construction, mortgage, and HELOC loans in accordance with bank lending policies and risk tolerance guidelines.
- Developed and implemented standardized credit analysis policies and procedures, enhancing underwriting consistency and operational efficiency across the department.
Credit Specialist
Blinker Start Up Company
07.2014 - 01.2016
- Established and maintained credit bureau reporting relationships with Experian, Equifax, and TransUnion to ensure accurate credit data management.
- Spearheaded initiatives to automate credit decisioning by defining business requirements, rule-based workflows, and risk parameters in collaboration with IT and operational stakeholders.
- Partnered with technology teams to implement fraud prevention controls and automated risk screening processes.
- Enhanced scalable underwriting infrastructure by streamlining application workflows and minimizing manual review dependency.
- Authored credit department manuals, process documentation, and operating procedures to standardize processes and improve operational efficiency.
Education
MASTER OF BUSINESS ADMINISTRATION (MBA) -
University of Phoenix
BACHELOR’S DEGREE - Communications & Media Studies
University of Northern Colorado
Skills
- Commercial Credit Underwriting
- Risk management
- Financial Statement Analysis
- Credit Exposure Analysis
- KYC / CDD / OFAC Compliance
- Fraud Risk Mitigation
- SME Lending & Payment Risk
- Credit Limit Strategy
- Regulatory compliance
- Policy development
- Risk Process Improvement
- Underwriting automation
- Stakeholder management
- Microsoft Suite
- PowerBi
Timeline
Senior Underwriter
One Inc
12.2023 - Current
Credit Risk Supervisor
Western Union
11.2017 - 12.2023
Credit Analyst
Collegiate Peaks Bank
01.2016 - 11.2017
Credit Specialist
Blinker Start Up Company
07.2014 - 01.2016
MASTER OF BUSINESS ADMINISTRATION (MBA) -
University of Phoenix
BACHELOR’S DEGREE - Communications & Media Studies
University of Northern Colorado