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Lyzette
Head of Underwriting / ISO Relations
Contato
Competências
Demonstrated experience with MCA Operations.
Demonstrated experience with Underwriting Risk Assessment.
Demonstrated experience with Cash Flow Analysis.
Demonstrated experience with Bank Statement Review.
Demonstrated experience with Credit Analysis.
Resumo
Head of Underwriting / ISO Relations open to new opportunities
Experiência
Head of Underwriting / ISO Relations
Led underwriting strategy and daily deal flow, managing team approvals, risk decisions, and final funding for deals up to $1.5 million while maintaining high credit quality.. Served as Head of Underwriting, supervising all underwriters, signing off on outbound funding deals, and guiding junior team members through basic file scrubbing.. Evaluated bank statements, credit profiles, cash flow trends, and conducted merchant interviews, with a heavy focus on high-risk and paper-heavy files.. Managed key ISO and broker relationships, working directly with internal ISO reps and external partners to structure deals and maximize fundable opportunities.. Handled soft collections and maintained active partner communication to support the end-to-end deal lifecycle within company guidelines.
Head of Underwriting & Operations
Provided support to core operations by overseeing contracts, addressing data entry issues, managing calendar invites, and handling staff time-off/vacation requests.. Acted as the backup point of contact for external partners when the primary operations team was unavailable and reported directly to the CEO.. Managed a small underwriting team - including supervising two junior underwriters - guiding deal flow from submission through approvals, funding, and broker communication.. Specialized in evaluating high-risk and complex MCA files, conducting bank statement analysis, credit reviews, merchant interviews, and overall business performance assessments.. Partnered with internal broker teams in New York and Miami to structure submissions, communicate terms, and optimize fundability within company guidelines.
Head of Operations / Senior Underwriter
Served as second-in-command to the CEO, managing daily cross-departmental operations and underwriting functions for a high-volume direct lender funding up to $9M–$12M monthly.. Supervised a team of four underwriters (one senior, three juniors) alongside a three-person operations team handling data entry, submissions, and contracts. Oversee all daily output, provide final deal sign-offs, and manage staff training across underwriting, data entry, and contract protocols.. Acted as the primary operational stakeholder alongside software developers in building, testing, and optimizing internal systems, including the Onyx IQ CRM. Led the API integration of key third-party verification tools such as Decision Logic and Clear.. Directed daily post-funding collections tracking, reviewing daily merchant progress reports with the collections manager to analyze risks and report directly to executive leadership.. Handled reporting for external syndicators during initial growth phases, delivering regular progress, funding, and payout updates via structured reporting models.. Reviewed high-risk and clean A–D paper merchant applications, evaluating bank statements, tax returns, credit reports, and business background checks to manage final funding approvals up to $2.5M.
Jr. Underwriter
Assisted the underwriting team with reviewing bank statements, analyzing financial information, and evaluating merchant files.. Provided approval or decline recommendations according to established company criteria.. Managed data entry, coordinated daily underwriting tasks, and communicated file statuses to support efficient deal flow.. Developed a foundational understanding of MCA underwriting, risk assessment, and funding processes.