Mya Moua
Summary
Credit and underwriting professional focused on small business lending, merchant risk, and personal loans. Reviews credit reports, tax returns, bank statements, and income documents to support approval, denial, and limit decisions. Documents clear risk-based rationale and works with cross-functional teams to support compliant lending.
Overview
13
13
years of professional experience
Work History
Small Business Underwriter
Wells Fargo Bank
04.2021 - 10.2025
- Reviewed and approved small business credit card and loan requests, ensuring alignment with company and industry guidelines to mitigate risk.
- Analyzed credit reports, income documentation, and tax returns to assess borrower risk and ability to pay.
- Documented underwriting decisions with clear rationale, enhancing transparency and supporting compliance for future reference.
- Made approval and denial recommendations by determining accurate risk levels.
Merchant Risk Underwriter
PayPal
10.2018 - 03.2021
- Conducted comprehensive risk assessments of merchant applicants through detailed analysis of personal and business credit reports, evaluating creditworthiness and its impact on financial stability.
- Reviewed and analyzed business bank statements and tax returns to determine financial capacity and stability of merchant applicants, identifying financial irregularities or concerns.
- Established processing limits and reserves for higher-risk merchants based on financials and business models.
- Built relationships with customers and community to foster long-term business growth and enhance client trust.
Personal Loan Underwriter
Freedom Financial Network
04.2018 - 04.2019
- Reviewed credit reports for creditworthiness, made credit decisions, and submitted applications for exception approval to support risk management.
- Processed and monitored loan applications from submission to approval, ensuring timely and accurate decision-making.
- Obtained and reviewed applicants' credit histories and paperwork to assess loan feasibility and mitigate potential risks.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Evaluated loan requests and documents to verify accuracy and completeness.
Merchant Underwriter
North American Bancard LLC
05.2017 - 04.2018
- Make sound decisions in approving or denying credit card processing, researching and verifying industry data, websites, historical processing trends and other important factors
- Reviewed financial documents, tax returns, and bank statements to conduct thorough financial analysis
- Underwrote merchant applications, ensuring compliance with company policies and procedures
- Engaged with merchants and sales agents to resolve inquiries and provide timely support.
Credit Underwriter
American Express
09.2012 - 05.2017
- Gathered and analyzed credit information on current and potential borrowers to assess creditworthiness, calculated debt-to-income ratios, and made informed decisions to approve, deny, or counteroffer credit requests.
- Reviewed credit bureau information, tax returns, and bank statements to evaluate spending capacity and assess credit risk.
- Executed underwriting for credit card applications, assessed limit increases, managed charge cards (new and existing), and performed risk reviews.
Education
Associate of Applied Science - Banking And Finance
Phoenix College
Phoenix, AZ10-2026
Skills
- Loan underwriting
- Credit analysis
- Loan decisions
- Document assessment
- Financial analysis
- Credit assessment
- Application review
- Asset statements
- Problem-solving
- Time management
- Relationship building
Timeline
Small Business Underwriter
Wells Fargo Bank
04.2021 - 10.2025
Merchant Risk Underwriter
PayPal
10.2018 - 03.2021
Personal Loan Underwriter
Freedom Financial Network
04.2018 - 04.2019
Merchant Underwriter
North American Bancard LLC
05.2017 - 04.2018
Credit Underwriter
American Express
09.2012 - 05.2017
Associate of Applied Science - Banking And Finance
Phoenix College