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Nicole Badrudeen

@nicolebadrudeen

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Remote Loan Specialist Team Lead driving loan compliance, risk assessment, and financial analysis in high-volume teams.

United States

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What I'm looking for

I’m looking to lead loan compliance and risk review work in a remote, high-volume environment—improving processes, mentoring teams, and delivering defensible eligibility decisions using clear policy interpretation and strong financial analysis.

I’m a Remote Loan Specialist Team Lead specializing in loan compliance, risk assessment, and financial analysis in fully remote, high-volume environments. I independently evaluate complex borrower documentation, identify systemic risk issues, and make defensible eligibility determinations.

In my current role with the COVID EIDL Servicing Center, I uncovered approximately $42M in impacted loans by finding a systemic compliance gap and elevating findings to leadership. I also created “Understanding Tax Documents,” a training resource adopted by loan specialists to improve consistency in tax return analysis and compliance decisions.

I lead distributed teams and act as a primary escalation point between loan specialists, lenders, and leadership to resolve complex compliance issues. Previously, as a Loan Specialist Team Lead in the Office of Disaster Assistance, I managed 13 loan officers, held delegated authority to approve up to $35M in business loans daily, and improved processing speed by 15% through a centralized FAQ and buddy system.

Experience

Work history, roles, and key accomplishments

Current

Loan Specialist Team Lead

Current

U.S. Small Business Administration

Jan 2022 - Present (4 years 5 months)

Identified a systemic compliance gap impacting loan approvals, uncovering approximately $42M in affected loans and elevating findings to leadership. Led 6,200+ high-volume eligibility and compliance reviews, and created a “Understanding Tax Documents” training resource to improve tax return analysis and consistency in determinations.

Loan Compliance Risk Assessment Financial Statement Analysis Quality Assurance Team Leadership Process Improvement

Loan Specialist Team Lead

Office of Disaster Assistance

Jan 2021 - Jan 2022 (1 year)

Managed 13 loan officers performing daily financial and eligibility reviews and held delegated authority to approve up to $35M in business loans per day. Performed cash flow and credit analysis using IRS transcripts and implemented a centralized FAQ and buddy system to reduce processing time by 15%.

Cash Flow Analysis Credit Analysis Team Leadership Process Improvement

Loan Assistant

Office of Disaster Assistance

Jan 2020 - Jan 2021 (1 year)

Reviewed 19,000+ loan applications to identify eligibility risks and potential fraud indicators, supporting accurate underwriting decisions. Flagged inconsistencies in borrower documentation to improve decision quality across loan assessments.

Application Review Documentation Analysis Underwriting Support Quality Assurance Data Validation Risk Assessment

Managing Broker

Pegasus Funding Group

Jan 2017 - Jan 2020 (3 years)

Analyzed client financials to structure lending solutions across SBA loans, equipment financing, and working capital products. Increased monthly sales by $100K through marketing initiatives and reduced operating costs by 50% through smart outsourcing.

Financial Analysis SBA Lending Equipment Financing Working Capital Relationship Management Sales Strategy Factoring Marketing Campaigns Cost Optimization

Founder / Author

Nicole Deen Enterprises

Jan 2017 - Jan 2020 (3 years)

Authored “The Gorgeous Skin Handbook” and built a holistic skincare brand while designing automated marketing funnels to increase sales and consulting revenue. Collaborated with publications and wellness organizations to expand brand visibility.

Brand Building Marketing funnels Sales Enablement Partnerships Campaign Strategy