Underwriting Director
Resume:
MARIAM
MILIAN
CONTACT
MIAMI FL, 33155
*************@*****.***
Linkedin.com/in/milian-mariam
EDUCATION
MASTER’S DEGREE IN
BUSINESS ADMINISTRATION
STRAYER UNIVERSITY
JUNE 2022 - JULY 2023
BACHELOR’S DEGREE IN
CRIMINAL JUSTICE
MINOR IN HOMELAND SECURITY
STRAYER UNIVERSITY
JUNE 2008 - DEC 2013
ASSOCIATE’S DEGREE IN
CRIMINAL INVESTIGATION
MINOR IN CRIME SCENE
INVESTIGATION
EVEREST COLLEGE
AUG 2006 – JUNE 2008
CERTIFICATIONS
CERTIFIED PARALEGAL
UNIVERSITY OF MIAMI
FEB 2008 – SEPT 2008
NOTARY PUBLIC
REMOTE NOTARY PUBLIC
ONLINE SIGNING AGENT
FIRST AID
TRAINED IN CPR
Underwriting Director with over a decade of combined experience in the alternative business lending trade. Adept in data analytics with a record of developing cutting-edge underwriting protocols for various industry funding leaders such as Union Funding Source. With unparalleled expertise in portfolio development and management cultivated and refined at Everest Business Funding, the underwriting team funded over $2B under her leadership, honing on risk assessment and customer relations. As a visionary entrepreneur, her talents have most recently been leveraged by Fenix Capital Funding and Infusion Capital Group, through consulting contracts with Fundcube LLC. EXPERIENCE
PRESIDENT
FUNDCUBE LLC, MIAMI
JULY 2020 – PRESENT
■ Offering seasonal contracting services with focus in specialized final underwriting consulting for Mid-Risk to High-Risk Lenders in the Merchant Cash Advance and Alternative Funding Industry.
■ Experienced in establishing in-house Underwriting Departments for MCA Funders
■ Providing Small Business Owners with online workshops tailored by SIC CODE, aimed at the structuring of financial reporting to comply with IRS Tax Code as well as qualifying for SBA Lending and other government or private financing programs.
UNDERWRITING CONSULTING
INFUSION CAPITAL GROUP, MIAMI
AUGUST 2024 – PRESENT
■ Created Underwriting guidelines for a High-Risk portfolio as well as for a new Mid-Risk to High-Risk book.
■ Upgraded the pricing rules for financial statements analysts.
■ Structured the Performance-Based Bonus Program for remote personnel.
■ Updated and improved the final underwriting report tailoring it to their portfolio.
UNDERWRITING CONSULTING
FENIX CAPITAL FUNDING, HOLLYWOOD
JANUARY 2024 – MAY 2024
■ Provided consulting in the risk assessment area of business lending, with the goal of reducing default rates and growing the portfolio.
■ Amended the internal underwriting procedure to maximize time management and reduce funding time.
■ Restructured the existing employee commission system into a performance- based bonus program.
■ Set up various marketing plans and automated weekly and monthly advertising campaigns through emails and social media platforms.
■ Created a thoroughly detailed plan to expand the books through market analysis and strategic partner collaborations.
1 of 2
FEMA
NIMS CERTIFIED
CERT MEMBER
LANGUAGES
■ ENGLISH
■ SPANISH
SKILLS
■ Negotiations
■ Data Analytics
■ Trend Analysis
■ Loss Mitigation
■ Critical Thinking
■ Risk Assessment
■ Loan Processing
■ Time Management
■ Customer Retention
■ Performance Metrics
■ Portfolio Management
■ OSHA & NAICS Compliance
■ Fraud Detection & Prevention
STRENGTHS
■ NY Unified Court System - NYSCEF
■ Time Matters Legal Software
■ CSC Global UCC Filings
■ MoneyThumb Portal
■ Smartbiz Portal CRM
■ Adobe Acrobat
■ Google Sheets
■ Decision Logic
■ AccountChek
■ ACH Works
■ MCA Suite
■ DataMerch
■ Lexis Nexis
■ Clio Legal
■ DocuSign
■ AnyDesk
■ QuikTrak
■ TruView
■ Join.Me
■ Teams
■ NVMS
■ Zoom
■ Excel
■ Clear
UNDERWRITING DIRECTOR OFFICE MANAGER
UNION FUNDING SOURCE, MIAMI
MAY 2022 – DECEMBER 2023
■ Managed all aspects of the MIA office, including hiring and payroll servicing of a team of 5, including 2 remote workers.
■ Set up and tracked all internal performance-based Bonus Programs.
■ Prepared quarterly financial reports for internal and external auditing.
■ Established the current in-house Underwriting Department, decreasing the front-end cost per funded deal by 10%.
■ Developed the ISO-Relations Department and aided with marketing and advertising campaigns.
■ Created a proprietary final underwriting report that conformed to the funding guidelines and automated the scrubbing and pricing process.
■ Designed and implemented a portfolio reporting model that reduced the funding turnaround from 24 to 2 hours.
SENIOR UNDERWRITING MANAGER
CITY CAP NY, BAY HARBOR ISLANDS
JULY 2021 - MAY 2022
■ Oversaw a highly competitive high-risk portfolio of $25M.
■ Structured the record-keeping system for upper management auditing.
■ Established and enforced underwriting guidelines that conformed with the Company's goals of increasing lending power and gross revenue while reducing front risk and decreasing default delinquency rates.
■ Developed a proprietary final underwriter risk assessment report. SENIOR UNDERWRITER
EVEREST BUSINESS FUNDING, DORAL
JULY 2013 - JUNE 2020
■ Trained and led a team of 15 Senior Underwriters and 5 Junior Underwriters that collectively funded over 2 Billion dollars.
■ Co-creator of the Risk Scoring System and Final Underwriting Report used to measure lending risk, credit worthiness and revenue margins to generate an automated reliable funding decision.
■ Reduced data processing errors by 90%, resulting in a significant improvement of non-performing defaults.
■ In charge of ALL deals above 100 Thousand dollars.
■ Analyzed financial statements data for MCA pricing.
■ Obtained and evaluated credit and background reports for all deals.
■ Conducted thorough Merchant Interviews and explicit funding calls. REFERENCES
Available Upon Request.
2 of 2
Contact this candidate