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Sarmad Mirza

@sarmadmirza

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Financial Risk Analyst with expertise in loan underwriting and analysis.

United States

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What I'm looking for

I seek a role that fosters professional growth and values collaboration.

I am a dedicated Underwriter and credit 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

Current

Financial Risk Analyst

Current

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.

Paycheck Protection Program Loan Management Risk Management Process Improvement Root Cause Analysis

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.

Financial Analysis Client Relationship Management Documentation Management economic development

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.

Collateral Management

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.

Credit Analysis Fraud Detection Compliance Financial Statement Analysis Risk Mitigation Salesforce LoanPro Excel

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.

Underwriting Payroll Factoring Credit Lines Collateral Management Risk Assessment

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.

Government Guaranteed Loans Regulatory Compliance document preparation Salesforce Team Leadership