J User
@juser21
I analyze financial risk, build validated analytical systems, and run profitable retail operations.
United StatesWhat I'm looking for
I analyze business financial statements, tax returns, and cash flow at Milroc Lending Group to assess repayment capacity and risk on financings from $50,000 to several hundred thousand dollars. I assemble SBA- and lender-ready documentation packages, reconcile source figures, and manage files from intake through closing.
Alongside commercial finance, I operate Rocco, sourcing and pricing golf equipment to maintain roughly 30% gross margins and typically turn inventory within two weeks. I also build and backtest automated trading and analytics systems, validating outputs against historical data and catching issues such as lookahead bias and unrealistic assumptions.
Experience
Work history, roles, and key accomplishments
Commercial Finance Consultant
Milroc Lending Group
Jul 2023 - Present (3 years 2 months)
Analyze business financial statements, tax returns, and cash flow to assess repayment capacity and risk on financings. Assemble documentation packages that meet SBA and lender standards, and manage each file end to end from intake through closing.
Owner and Operator
Rocco
Jan 2017 - Present (9 years 8 months)
Source new and used golf equipment, pricing each purchase against resale value to hold roughly 30 percent gross margins. Turn most inventory within two weeks through online e-commerce channels, negotiate with sellers, manage inventory and P&L, and resolve customer issues.
Healthcare Operations Associate
Upwell Health
Jun 2017 - Jan 2018 (7 months)
Supported medical supply distribution, patient support workflows, and documentation accuracy. Recognized among top performers for order volume and accuracy.
Education
Degrees, certifications, and relevant coursework
Utah Valley University
Master of Science, Finance
Master of Science in Finance with 12 credits remaining, expected completion in 2027.
Utah Valley University
Graduate Certificate, Personal Financial Planning
Graduate Certificate in Personal Financial Planning from a CFP Board registered program, completed in August 2026.
Utah Valley University
Bachelor of Science, Healthcare Administration
Grade: 3.95 GPA, Summa Cum Laude
Bachelor of Science in Healthcare Administration with a minor in Business, graduated Summa Cum Laude with a 3.95 GPA in May 2022.
Tech stack
Software and tools used professionally
Availability
Location
United StatesAuthorized to work in
Salary expectations
Social media
Skills
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