Mahek Gurnasinghani
Credit Analyst Ii Underwriter @Mulligan Funding, LLC
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WORK HISTORY
Credit Analyst Ii Underwriter @Mulligan Funding, LLC
San Diego, CA, US
Analyze financials, tax returns, and cash flow data to assess borrower creditworthiness.• Underwrite and manage 150+ small business loan applications monthly.• Apply financial analytics and data insights to enhance underwriting accuracy and risk assessment.• Perform DSCR modeling and global cash flow analysis to determine repayment ability and loan viability.• Develop concise credit memoranda with structured risk narratives for committee approval.• Identify fraud and credit anomalies using Plaid data and behavioral trend analysis.
EDUCATION
University of Massachusetts Lowell
Master of Business Administration - MBA, Finance, General
University of Mumbai
Doctor of Law - JD, Law
University of Mumbai
Master's degree, Business/Commerce, General
University of Mumbai
Bachelor of Business Administration - BBA, Business Administration and Management, General
ABOUT MAHEK GURNASINGHANI
Commercial Loan Underwriter with 11 years of experience in SME financing, credit analysis, and risk mitigation. Skilled in underwriting high-volume commercial loan portfolios with expertise in DSCR modeling, financial spreading, covenant structuring, and regulatory compliance (FDIC, OCC, BSA/AML). Proven success in reducing loan processing time, maintaining sub-2% delinquency rates, and using platforms like nCino, Salesforce, Tableau, and Plaid to streamline decision-making. MBA in Finance with a strong foundation in global credit risk and data-driven lending.
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