Armina Kirakosian

Risk & Compliance Analyst

7years of work

2years leading teams

7years at Global Funding Experts / United Fist Capital LLC

2languages at B2 and above

Overview

Senior credit risk and underwriting professional with 7+ years of experience in SMB lending and alternative finance, making complex credit, pricing, funding, and ongoing credit decisions. Strong background in cash-flow and transaction analysis, fraud and identity risk, KYB/business verification, and portfolio risk management with cross-functional work across product and technology teams.

Timeline

Senior Final Underwriter · Senior

Global Funding Experts / United Fist Capital LLC · Full-Time

Feb 2019 to Present 7 Years 9 Months New York In office

Leads final credit and risk decisions for SMB lending transactions, assessing bank activity, financial statements, cash flow, obligations, and fraud indicators to determine eligibility, exposure, structure, pricing, and funding terms. Performs ongoing increment reviews based on repayment behavior and updated performance to support portfolio risk management and timely funding through the underwriting pipeline. Partners across Sales, Legal, Compliance, Operations, Product, and Technology to resolve complex cases and improve underwriting workflows and risk controls. Acts as a business-side SME for underwriting and risk technology initiatives, translating requirements into system rules and supporting UAT for third-party data/API and KYB/fraud verification integrations.

Jira

Samara State University of Economics

Bachelor's Degree · Finance and Credit

2015 Samara, Samara Oblast

Job preferences

Work permits: United States
Employment type: Full-Time
Locations: New York
Company size: 51-200

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