# J User

J User is a remote worker on Himalayas, Commercial Finance Consultant at Milroc Lending Group, based in United States.

Source: https://himalayas.app/@juser21

```text
I analyze financial risk, build validated analytical systems, and run profitable retail operations.
```

| Detail | Value |
| --- | --- |
| Availability | Looking for a job |
| Location | United States |
| Authorized to work in | United States |
| Salary expectations | 70k+ USD |
| Job categories | Financial Analyst, Finance Consultant, Operations Associate, Business Owner |
| Skills | Financial Statement Analysis, Healthcare Reimbursement, Benefits Structuring, Cash Flow Analysis, Risk Analysis, Document Review, Reconciliations, Sourcing, vendor negotiation, Pricing, Inventory Management, AI Output Validation, AI assisted Development, Backtesting, Validation, API Integration, Salesforce, SBA Program Rules, Compliance, Process documentation, Workflow Design, Tax Return Analysis, P&L management, Ecommerce, APIs, MCP Connectors |
| LinkedIn | https://linkedin.com/in/jacob-miller-b00238198 |

## What I'm looking for

```text
I'm looking for work where I can analyze financial risk, reconcile complex documentation, validate automated outputs, and own processes from intake through delivery.
```

## About

```text
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

### Commercial Finance Consultant (current)

Milroc Lending Group. Jul 2023 - Present

```text
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.
```

Skills: Financial-Statement-Analysis, Cash-Flow-Analysis, Risk-Analysis, SBA-Program-Rules-and-Compliance, Salesforce, Document-Review-and-Reconciliation, Process-documentation

### Owner and Operator (current)

Rocco. Jan 2017 - Present

```text
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.
```

Skills: Sourcing, vendor-negotiation, Pricing, Inventory-Management, Ecommerce, P&L-management

### Healthcare Operations Associate

Upwell Health. Jun 2017 - Jan 2018

```text
Supported medical supply distribution, patient support workflows, and documentation accuracy. Recognized among top performers for order volume and accuracy.
```

Skills: Healthcare-Operations, Medical-Supply-Distribution, Documentation, Patient-Support

## Education

### Utah Valley University

Master of Science, Finance

```text
Master of Science in Finance with 12 credits remaining, expected completion in 2027.
```

### Utah Valley University

Graduate Certificate, Personal Financial Planning

```text
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

```text
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

- Salesforce

To contact J, message them from this profile with a Himalayas employer account: [Hire on Himalayas](https://himalayas.app/hire).

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