Underwriting

ALEXANDRIA SPANGENBERG

**********.***********@*****.*** 914-***-**** http://www.linkedin.com/in/alexandria-spangenberg EXPERIENCE

ACCEL CAPITAL, RADIUM 2 CAPITAL New York, NY July 2016 – July 2018 Senior Director of Underwriting February 2017-July 2018

• Contributed to the implementation of databases such as TLOx TransUnion, Microbilt, and Decision Logic to ensure efficiency, while eliminating risk of potential clients defaulting on loans

• Oversaw submissions by partnering broker shops to determine approvals, declines, and stipulations required to fund deals (managed a book of $1-2M per month); Drafted and confirmed accuracy of contracts and legal documents

(e.g. Confession of Judgement)

• Formulated and drafted ISO agreements, buy rates, origination fees, commission points, and underwriting guidelines in the development of a new funding platform

• Processed daily and month end activity in a timely manner to ensure all loans were updated in CRM; investigated and resolved defaulting clients; reported information to COO

• Supervised, trained, and delegated tasks to pre-underwriters and administrative assistants

• Communicated with accounting department to ensure accuracy of funded deals, paid in percentages, notifications of missed payments, and to keep track of updated banking information

• Gathered information, statistics, documentation for demonstrations to present at meetings with investors under VP Operations Manager July 2016-February 2017

• Worked with executive management team to design strategies needed to record data, manage sales, track client history and payments, strategize equal lead distribution to brokers

• Recorded and ran performance/ commission reports on Excel and through Salesforce

• Worked closely with internal and external departments to develop and strengthen marketing strategies, especially through ad campaigns, Google, Trust Pilot, BBB, website development that brought the company from $2M to $7M within 6 months

• Assisted in preparation of monthly reports for VP, President, and CEO; worked with accounting to monitor accuracy of data at the close of everyday

• Communicated daily with clients, ISO’s and investors to ensure expectation of partnerships were met

• Assisted Director of Funding Management with administrative tasks associated with submissions from clients, including ensuring information security when working with banks and performed miscellaneous projects and other support-related duties as assigned (e.g. onboarding new employees, assisting Human Resources Manager) BIZFI, MERCHANT CASH AND CAPITAL New York, NY June 2014- July 2016 Underwriter- Business Loans January 2015- July 2016

• Analyzed business financial statements, bank statements, cash flow, credit reports, and guarantor(s’) character profiles to evaluate credit worthiness of small business applicants; Managed funding pipeline to ensure internal daily capital requirements were met; personally responsible for lending $1.5-$2M each month

• Provided written and verbal declines and approvals of up to $300k, either ACH based or credit card processing, ensuring adherence to credit policy and full analysis of risk factors for the company

• Collaborated with a cross-functional team, involving DevOps to implement new strategies and company-wide improvements for data security, product and website development, and alterations of risk assessment, necessary to evolving industry trends under the guidance of the Chief Administrative Officer

• Organized stipulation requests (e.g. site inspections, merchant interviews, A/R reporting) with personal contract administrator, while maintaining direct relationships with sales team EDUCATION

New Jersey City University, Business School Jersey City, NJ Bachelor of Arts in Economics, December 2013

Minor in Education

New Jersey City University, Business School Jersey City, NJ Master of Science in Risk and Compliance, Anticipated Completion 2024 RELEVANT COURSEWORK

Microeconomics, Macroeconomics, Calculus II and Analytical Geometry, Money & Banking, International Trade and Finance, Public Finance, Discrete Structures I and II, Principles of Accounting, Survey of Modern Math, Statistics KEY COMPETENCIES AND SKILLS

• Proficient in Microsoft Office, Inside Sales, CRM Development, FICO, Intelliscore, Nexis Lexis

• Ability to excel in high-stress, fast-paced, and demanding environments

• Strong analytical, leadership, collaborative, communication, conflict resolution, commitment, time management interpersonal, and critical thinking skills

• Working knowledge of both traditional and FinTech financial products COMMUNITY INVOLVEMENT AND INTERESTS

Belmar NJ Volunteer National MS Society 2010-Present, Research Intern at Morgan Financial- Red Bank, NJ; Annual Toys For Tots Montclair NJ; Care to Walk/Run Committee for Diabetes; Jersey City Donation Campaign For Battered Women Shelter; Member of Human Rights Campaign/ Fund For Equality

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