Financial & Risk Analyst Closing Underwriter Systems Engineer
Resume:
Álvaro Gómez
Madrigal
S Y S T EMS E NGINEER
Systems Engineer with experience in quality assurance, technical support, process optimization, financial analysis, and risk assessment. Skilled in evaluating operational performance, customer experience, business financial health, and compliance standards across diverse industries. Recognized for strong analytical thinking, adaptability, problem-solving abilities, and rapid professional growth. Passionate about leveraging data-driven insights to improve processes, support informed decision-making, and contribute to organizational success. Effective communication
Teamwork
Adaptability and flexibility
Problem-solving
Time management
Emotional intelligence
Leadership
SOFT SKILLS
CONTACT
***************@*****.***
Certificate in Computer
Maintenance and Repair
Centro Nacional de Capacitación
2017-2018
EDUCATION
ABOUT ME
Certificate in LAN, SOHO, and
Wireless Networks
Centro Nacional de Capacitación
2018-2018
Bachelor's Degree in Systems
Engineering (completed).
Universidad Americana (UAM)
2020-2022
Spanish (Native)
English (B2+)
LANGUAGES
TECHNICAL SKILLS
• Financial Analysis & Risk Assessment
• Bank Statement & Cash Flow Analysis
• Credit Risk & Due Diligence Reviews
• MCA Underwriting & Fraud Detection
• KPI Monitoring & Performance Analysis
• Quality Assurance & COPC Standards
• Process Optimization & Continuous Improvement
• Data Analysis & Reporting
• Technical Support & Troubleshooting
• Windows, macOS & Linux
• Hardware & Software Diagnostics
• LAN, SOHO & Wireless Networks
• Microsoft Office Suite
• Process Documentation
• Leadership & Team Support
• Cross-Functional Collaboration
• Problem Solving
• Time Management
Desamparados, San José, Costa Rica
WORK
EXPERIENCE
Closing Underwriter
Job Description:
As a Closing Underwriter, I am responsible for conducting comprehensive financial, credit, and legal risk assessments for Merchant Cash Advance (MCA) funding opportunities. My role involves analyzing business financial performance, identifying potential risk indicators, reviewing merchant background information, and providing detailed underwriting support to assist funding decisions. Key Responsibilities:
Conduct detailed analysis of 12 months of business bank statements to assess revenue stability and cash flow performance
Evaluate Month-to-Date (MTD) sales trends against historical business activity and projected revenue benchmarks
Identify negative balance patterns and potential cash flow concerns affecting funding eligibility Detect recent MCA funding activity and evaluate potential stacking risk exposure Review merchant payment history with existing MCA providers and assess repayment behavior Analyze historical revenue patterns and business performance trends to identify potential risk indicators Perform credit and legal background investigations, including court records, criminal searches, and public filings
Review UCC filings, liens, judgments, bankruptcies, and docket records as part of underwriting due diligence Analyze credit reports, credit scores, and past-due obligations to support risk assessment Verify supporting documentation including invoices, accounts receivable, bank records, and additional underwriting stipulations
Prepare comprehensive underwriting summaries highlighting risk factors and potential decline recommendations
Key Achievements:
Rapidly progressed from Data Entry Analyst to Prequalification Analyst and subsequently to Closing Underwriter based on performance and adaptability
Developed expertise in Merchant Cash Advance (MCA) underwriting and risk evaluation processes Consistently delivered accurate financial and background analyses to support funding decisions Assisted team members with underwriting procedures, analytical methodologies, and risk assessment criteria
Contributed to identifying financial, legal, and operational risks that could impact funding quality and portfolio performance
Spartan Capital Group
May 2025 – Present
WORK
EXPERIENCE
Quality Analyst (Bilingual)
Job Description:
As a Quality Analyst, I was responsible for auditing, evaluating, and optimizing the quality of service provided by contact center agents, applying COPC (Customer Operations Performance Center) standards. My role included monitoring compliance with protocols, evaluating agent and supervisor performance, and implementing improvements based on customer satisfaction analysis. Key Responsibilities:
Quality monitoring and call auditing
Random call evaluations to ensure compliance with quality protocols and service standards Application of COPC metrics to measure agent performance Identification of improvement areas and recognition of best practices in customer service Supervisor and facilitator audits
Validation of feedback effectiveness for agents
Weekly calibration sessions to ensure uniform call evaluations Stratification and performance analysis sessions
Customer feedback management
Key Achievements:
Service quality optimization through strategic audits Improved supervisor feedback processes
Enhanced alignment in quality evaluations through calibration sessions Identification of customer satisfaction trends using TTB (Top-Two-Box) analysis Netcom Business Contact Center
June 17, 2024 – February 28, 2025
WORK
EXPERIENCE
Advanced Technical Support Agent - Digital Signature (Bilingual) Job Description:
Provided specialized technical support for resolving issues related to digital signatures across various operating systems. My role included troubleshooting, software installation and configuration, and remote assistance to ensure proper functioning of digital signatures and signing systems. Key Responsibilities:
Technical issue resolution across multiple operating systems (Windows, macOS, Linux) Remote and multi-channel support
Configuration and maintenance of signing systems
Support for financial and corporate clients
Key Achievements:
Reduced resolution times through efficient support processes Decreased recurring incidents by creating technical guides and documentation Improved remote support efficiency
Netcom Business Contact Center
April 14, 2023 – June 15, 2024 (Promotion)
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