Overview
Work History
Education
Skills
Timeline
Generic

Sojourner Butler

Atlanta

Overview

6
6
years of professional experience

Work History

Fleet Underwriter

Contract Role (Trucking Start-Up)
02.2024 - 03.2025
  • Determine risk management type based on overall application: Secured, Unsecured or Combo tradeline approvals
  • Analyze financial data using Heron/Ocrolus for 35+ fleets daily to establish credit limits
  • Validate fleet data on RIGDIG and USDOT to ensure accuracy
  • Analyze report tracking data to optimize fleet underwriting strategies
  • Validate candidate details using Highnote
  • Analyze credit reports for collections, tax liens, and bankruptcies with meticulous attention to detail
  • Monitor Experian report utilization to optimize credit line decisions
  • Proactively request Lexus Nexus reports to address registration flags

Risk and Underwriting Analyst

Credit Key (B2b Fintech Start-up
06.2022 - 02.2024
  • Review Experian reports to check for revolving credit, tax liens, collections and bankruptcies
  • Implemented a feature that created a trigger to collect bank statements for borrowers seeking funding of $5,000 or more reducing processing time by up to 2 days
  • Collaborated with borrower banks and cross-functional teams to promptly resolve Dwolla transaction issues, achieving a 90% resolution rate within 24 hours
  • Spearheaded collaborative efforts with Risk Department to optimize invoice approval process, implementing stringent compliance measures and slashing approval time by 35% while maintaining 100% industry regulation adherence
  • Prioritize queue to guarantee timely review of applications to maintain efficient customer support
  • Implemented innovative fraud detection system, reducing charge-back rate by 20% and saving thousands quarterly by analyzing payment data and trends to identify operational risks and opportunities
  • Analyzed business processes and systems, generating a comprehensive report on the impact of a 2.9% processing fee, pinpointing opportunities for enhancement, and delivering valuable insights to collaborative teams
  • Led collaborative efforts across Credit Key teams to create a pioneering product feature that drastically decreased processing time, improving workflow efficiency

Loan Underwriting Analyst

The Small Business Administration
05.2021 - 06.2022
  • Evaluated and processed a high volume of 20 - 225 Loan/Grant applications weekly, demonstrating exceptional efficiency
  • Completed comprehensive cash flow analyses for business to determine credit risk per loan applicant seeking amounts ranging from 500K to 2M, this involved in-depth reviews of bank statements, tax records, and monthly recurring debt, along with collateral assessment
  • Identified and flagged potential fraud risks through a thorough examination of credit reports, tax records, and bank statements, resulting in the development of effective risk mitigation plans
  • Completed quarterly compliance training, enhancing proficiency in fraud prevention, IP address tracking for overseas applications, and compliance guidelines
  • Processed over 10,000+ total applications while maintaining government compliance regulations
  • Expertly approved or declined loan applications in accordance with Small Business Administration guidelines, ensuring fairness and consistency for all applicants

Tech Licensee

NASA
10.2018 - 10.2021
  • Conducted comprehensive compliance reviews, guaranteeing that all products and services complied with regulatory requirements and licensing constraints
  • Prepared and executed risk mitigation strategies to address potential legal and financial liabilities associated with technology assimilation
  • Developed and executed meticulous risk assessment procedures for NASA technology integration into mobile applications, guaranteeing full compliance with intellectual property rights and licensing agreements .

Education

B.S - Economics (130 Hours Completed)

Hampton University

Skills

Core Competencies:

Credit Analysis, Credit Underwriting, Risk Assessment, Customer Relationship, Management (CRM), KYC programs, Customer Due Diligence (CCD), Financial Analysis, Regulatory, Compliance, Industry Speci c Software, Credit Scoring Models, Loan Origination Systems

Technical Skills:

Zendesk/Zendesk Admin, Heron, Ocrolus, Plaid,Excel, Asana, Rapid, Dwolla, Stripe, Mambu, Dispute Resolution, Bank Operations, ACH and transaction processing

Timeline

Fleet Underwriter

Contract Role (Trucking Start-Up)
02.2024 - 03.2025

Risk and Underwriting Analyst

Credit Key (B2b Fintech Start-up
06.2022 - 02.2024

Loan Underwriting Analyst

The Small Business Administration
05.2021 - 06.2022

Tech Licensee

NASA
10.2018 - 10.2021

B.S - Economics (130 Hours Completed)

Hampton University

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Sojourner Butler