Xiomara S.

About Xiomara S.

I am a finance professional with 17+ years of experience in SBA and business lending, recognized for blending strong technical expertise with a people-centered, solutions-driven approach. My background spans financial analysis, credit, underwriting, packaging, closing, audits, and portfolio reviews—giving me a full-lifecycle view of the lending process.As an entrepreneur myself, I understand small businesses on a deeper level. I’m able to see deals from both the lender’s and the borrower’s perspective, allowing me to structure thoughtful, balanced, and strategic recommendations. I’m passionate about helping businesses grow and approach every transaction as a true partnership with the BDO, the bank, and the client.I thrive in environments that value collaboration, continuous learning, and strong processes. I enjoy contributing ideas that improve efficiency, enhance performance, and strengthen the overall client experience.What I love about underwriting:• A collaborative team environment• Ongoing training and industry development• Remote flexibility that supports work–life balance• Opportunities to share ideas and improve department processesWhere I aim to add value when challenges arise:• Establishing clear procedures• Identifying growth and development opportunities• Clarifying credit parameters to streamline decision-makingFAQsQ: How do you balance full-time work with business ownership?A: My businesses operate with established processes, procedures, and trained staff, allowing them to run smoothly without my day-to-day involvement. SBA Direct, which I built from the ground up, now functions primarily as a consulting resource for small business owners preparing for SBA financing.Q: What is your availability?A: I’m fully available for a full-time remote role and open to hybrid positions that are close to home or accessible by public transit.Q: What is your five- to ten-year plan?A: By age 50, I plan to transition from banking into full-time entrepreneurship while expanding my work with youth on self-branding and personal development.

Experience

1. Senior Consultant

   Sba Direct

   Aug 2018 — Present