Sarmad Mirza
@sarmadmirza
Financial Risk Analyst with expertise in loan underwriting and analysis.
What I'm looking for
I am a dedicated Financial Risk Analyst with a strong background in loan underwriting and financial analysis. My experience spans various roles in the financial sector, where I have successfully supported programs like the Paycheck Protection Program and collaborated with teams to ensure compliance and efficiency in loan processing. I thrive in dynamic environments and am committed to driving economic development through strategic financial solutions.
Throughout my career, I have developed a keen ability to assess financial health by reviewing balance sheets and income statements, conducting thorough credit analyses, and providing personalized financial solutions to clients. My analytical skills, combined with my ability to foster strong relationships with stakeholders, have consistently led to improved customer retention and successful loan outcomes. I am passionate about using my expertise to contribute to community-oriented initiatives and support lower-income communities.
Experience
Work history, roles, and key accomplishments
Financial Risk Analyst
Dallas Federal Bank
Aug 2024 - Present (1 year 1 month)
Provided strategic support to the Paycheck Protection Program Liquidity Facility and Discount Window operations. Collaborated with the centralized PPPLF team to manage pay-down and payoff processes for outstanding loans, identifying and resolving errors.
Underwriter
PeopleFund
Jul 2022 - Aug 2024 (2 years 1 month)
Structured and underwrote loans for Texas' lower-income communities, focusing on driving economic development. Conducted in-depth financial analysis to assess creditworthiness, reviewing tax returns, balance sheets, and personal financial statements.
Loan Support Analyst
Paychex
Mar 2022 - Jul 2022 (4 months)
Managed the commercial loan underwriting process from initial application receipt until first funding, and oversaw periodic underwriting reviews of existing customers. Built initial collateral files for credit approval and guided the sales team in collecting necessary information.
Credit Analyst 1, Underwriter
Intuit
Jul 2021 - Mar 2022 (8 months)
Reviewed loan applications for fraud, compliance, and credit risks, focusing on small business lending and commercial loan analysis. Evaluated Debt Service Coverage Ratio by analyzing credit purchases and banking transactions to determine cash flow capacity.
Senior Process Associate
Genpact
Dec 2020 - Jul 2021 (7 months)
Managed the full underwriting process for payroll factoring and credit lines, from initial application to first funding, and conducted periodic reviews of existing clients. Built initial collateral files for new clients, ensuring compliance with underwriting policies.
Loan Officer, Team Lead
U. S Small Business Administration
May 2020 - Dec 2020 (7 months)
Assisted commercial loan customers and lenders in processing and closing government-guaranteed loans, ensuring compliance with all regulatory requirements. Prepared and coordinated comprehensive loan closing documents for various collateral types.
Program Manager
Salvation Army
Jan 2017 - Jan 2020 (3 years)
Managed program operations and initiatives to support community services. Oversaw various projects and ensured their successful execution.
Site Director
AMA YMCA
Jan 2014 - Jan 2017 (3 years)
Directed site operations and managed daily activities for the organization. Ensured smooth functioning of programs and services.
Education
Degrees, certifications, and relevant coursework
University of Texas at Arlington
Bachelor of Science, University Studies
Completed a Bachelor of Science in University Studies. The curriculum provided a broad interdisciplinary education.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Job categories
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