Underwriting

My contract-based underwriting services allow your organization to rapidly scale without increasing overhead or compromising portfolio quality. This solution works best for lenders that are either managing highly variable loan volume or are in a phase of accelerated growth. I am experienced in underwriting microloan and SBA Community Advantage deals up to $250,000. My approval standards can be customized to your organization's credit policy or recommended based on your risk appetite.

Deliverables:

  • Global, business, and personal cash flow analyses

  • Bank statement analysis

  • Recommendation of loan amount and terms

  • Written narrative explaining rationale

Prices vary based on loan size and quantity. Discounts are available at high volumes. Participation in credit committee meetings is billed hourly. 

Consulting

My consulting services are tailored to your organization's needs. Perhaps you're building out a loan program for the first time, adding a new product, increasing your maximum loan amount, or simply taking a look under the hood. You'll find that my diverse experience and straightforward analysis clarify decision-making and drive organizational efficiency.

I've worked on a diverse range of projects for various mission-based lenders and business advisory firms, including:

  • Expanding the product offerings of a decades-old CDFI to add SBA Community Advantage loans up to $250,000.

  • The development and pilot of a home improvement loan product for a burgeoning MFI that previously offered only business loans.

  • A comprehensive Expression of Interest for the buildout of an $8MM rooftop community events space in New York City.

  • Financial planning for a Chicago non-profit that added for-profit services to fund its operations.

  • Loan packaging for several successful New York restaurants opening new locations.

  • The design of a social impact survey for a Mexican microfinance institution measuring the economic effect of lending on 100 clients over the span of a year.

  • The creation of a triage program that provided relief from predatory financing to 42 small business owners over one year and financial literacy education to 5,000 entrepreneurs.

Customized estimates available upon request. Projects may be billed hourly or on a flat fee structure according to your preference. 

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