KRIS M. DRAGOO, CLFP

**** *** ******, ********* ** 92054

CELL: 619-***-**** • EMAIL: ac7v8s@r.postjobfree.com

PROFESSIONAL EXPERIENCE

Partners Capital Group, Inc. - Orange County, CA

Sr. Credit Analyst 1/18 - Current

Syndicate commercial finance transactions with authority up to $10MM

Analyze, structure and underwrite business credit

Analyze financial statements, tax returns and other supportive financial information for prospective clients including personal financials

Manage documentation and funding both internally and externally

Relationship building with outside lenders

National Funding, Inc. - San Diego, CA

Lead Equipment Specialist 8/17 - 01/18

Underwrite and structure commercial finance transactions with authority up to $25K

Analyze financial statements, tax returns and other supportive financial information

Oversee both documentation and funding of approved deals

Work closely with sales team

Balboa Capital - Irvine, CA

Sr. Credit Analyst 1/15 - 8/17

Underwrite commercial transactions with authority up to $150K

Periodic review of our Vendor Programs, Direct Programs and Structured Programs

Analyze and determine risk based on structure, financial statements and industry information

Create and complete credit packages including documentation

Training of existing and new hires

BlueYield, LLC - Aliso Viejo, CA

Credit Manger 5/14 - 1/15

Lender relationship building and management

Review customer’s request and determine the best lender based on income, LTV, and credit

Syndicate completed loan applications to lending partners

Customer service working directly with the customers and sales representatives to satisfy outside lender’s requirements

Summit Commercial Finance - Scottsdale, AZ

Credit Manager/Funding Analyst 5/12 - 5/14

Analyze, structure and package equipment loans and leases to syndicate to lending partners

Worked with Sales Representatives on credit requirements, pricing, structure and funding transactions

Structuring to support cash flow needs for the customer

Innovative Lease Services, Inc. - Carlsbad CA

Credit Manager 6/10 - 1/12

Underwriting credits for in-house transactions with approval authority up to $30k

Created credit policy, procedures, and internal reporting for the company

Researched outside lenders to build relationships for syndicating deals not held KRIS M. DRAGOO RESUME PAGE 2

Worked with Sales Representatives on credit requirements, pricing and structures

Held weekly credit meetings with sales to introduce new lending partners and their requirements

Trained staff on new and existing products such as Factoring, Cash Advance, Contract Financing, SBA, Commercial Mortgage, Equipment Leasing, Purchase Order Financing, Asset Based Lending and Lines of Credit.

Culver Capital, Inc. - Costa Mesa, CA

Credit Manager 6/09 - 6/10

Analyze financial statements, tax returns and other supportive financial information for Asset Based Lending, Factoring, Bridge Loans, Contract Financing and SBA Loans

Evaluate account receivables/payables aging reports, Profit and Loss Statements, Balance Sheet, verifying equipment values, and Real Estate appraisals

Created and dissected internal reports for upper management

Pentech Funding - San Diego, CA

Senior Credit Analyst 11/03 - 12/08

Credit authority up to $100k

Trained and assisted other credit analyst

Created and built relationships with over 200 brokers

Advanced Financial Services - San Diego, CA

Senior Credit Analyst/Documentation/Funding Coordinator 7/01 - 11/03

Analyze and structure business credit for approval and create and process loan/lease documents Analyze financial statements, tax returns and other supportive financial information

Amembal Capital - Salt Lake City, UT

Broker/Marketing Coordinator 9/00 - 6/01

Helped process and structure business leases

Marketing to other brokers by phone, e-mail and mail

Assist in documentation and loan approvals

SKILLS AND EDUCATION

Sales Force, Microsoft Word, Excel, Power Point, Publishers, Word Perfect, Leasepack, On-Base, Capital Stream, Vision, Lease Pricing, Goldmine, West Law, Doc Magic, Dunn & Brad, Pacer, Ilene, Business Experian & can type 70+ words per minute, Nexis, CLFP Certified

Bachelor of Science, Marketing, 2000, Utah State University, Logan UT

Associates of Science, Business, 1998, Dixie College, St. George UT

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