Silvia Vlad
Staten Island
Summary
Detail-oriented Business Loan Underwriter with 6+ years of U.S. underwriting experience evaluating credit risk and financial data to support sound lending decisions. Skilled in analyzing complex financial documents, ensuring compliance with lending regulations, and delivering accurate underwriting decisions under tight deadlines. Thrives in fast-paced environments and excels at matching clients with financial products that support responsible growth.
Overview
14
14
years of professional experience
1
1
Certification
Work History
MCA Underwriter
Credited+, New York, NY
01.2022 - Current
- Evaluate financial risk and feasibility of business funding by analyzing financial statements, bank records, and sales data.
- Assess cash flow, revenue, and creditworthiness to determine repayment capacity and minimize risk exposure.
- Perform comprehensive risk assessments and ensure compliance with internal policies and industry regulations.
- Monitor and manage existing advances to reduce portfolio risk and support successful repayment.
- Collaborate with cross-functional teams to align underwriting decisions with strategic company goals.
Business Loan Underwriter
JV MFO Microinvest LLC, Republic of Moldova
04.2014 - 08.2018
- Conducted thorough credit and financial analysis for micro and small business loan applications.
- Evaluated borrower financial documents, business plans, and repayment capacity to ensure policy alignment.
- Approved loans within authority limits and escalated high-risk applications to senior management.
- Monitored loan performance and implemented proactive risk mitigation strategies.
Mortgage Credit Analyst
CB Mobiasbanca- Groupe Societe Generale JSC, Republic of Moldova
05.2011 - 04.2014
- Reviewed and verified borrower income, credit reports, employment histories, and property appraisals for mortgage loan submission.
- Supported loan officers and underwriters to ensure timely, accurate, and compliant loan processing.
- Ensured adherence to internal controls, company policies, and government regulations.
- Streamlined mortgage processing and improved application turnaround times.
Education
Diploma of Bachelor's Degree - Business Management and Administration
Academy of Economic Studies of Moldova
06.2006
Skills
- Lending & Underwriting Guidelines
- Credit & Income Analysis
- Risk Assessment
- Loan-to-Value Ratios
- Debt-to-Income Ratios
- Analytical Thinking & Problem-Solving
- Loan Documentation Review & Verification
- Compliance with Regulatory Guidelines & Internal Policies
- Attention to Detail & Accuracy
- Effective Communication & Collaboration
- Languages: Fluent in English, Romanian, and Russian
- Software: Excel, Word, Financial Analysis Tool
Certification
- NMLS License
- NAMU-CMMU Certification
Timeline
MCA Underwriter
Credited+, New York, NY
01.2022 - Current
Business Loan Underwriter
JV MFO Microinvest LLC, Republic of Moldova
04.2014 - 08.2018
Mortgage Credit Analyst
CB Mobiasbanca- Groupe Societe Generale JSC, Republic of Moldova
05.2011 - 04.2014
Diploma of Bachelor's Degree - Business Management and Administration
Academy of Economic Studies of Moldova
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