At DEALFI / ATOB, I own underwriting and pricing for commercial financing submissions, making risk-based decisions and recommendations. I assess repayment capacity using bank statements, cash-flow volatility, liquidity, credit reports and DSCR.
I structure and negotiate approvals, including terms, pricing, payment mechanics and credit limits. When information is incomplete or conflicting, I weigh existing obligations, leverage and competing claims to determine exposure and appropriate risk mitigants.
I also investigate potential fraud through KYC/KYB due diligence, documentation review and analysis of UCC filings and credit reports. I prepare documented recommendations that explain risks, mitigants, alternatives and policy exceptions.
Previously, I underwrote mortgage loans at AMERICAN ADVISORS GROUP and CAPITAL ONE, reviewing borrower finances, collateral and loan conditions. I’ve also trained new-hire underwriters, coached peers and contributed to underwriting guidelines and quality control.
