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Work Background
Express Business CapitalEquipment Financing & Business Lending Expert
Nov. 2021Idaho Falls, Idaho, United StatesWHAT I DO: I help small to mid-sized businesses grow through fast business funding solutions. Express Business Capital stands out as a non-traditional funding source, offering solutions where many banks and conventional sources fall short. WHO I WORK WITH: I collaborate directly with business owners across various industries, including restaurants and bars, auto repair shops, private medical practices, construction and landscaping companies, retail stores, online retailers and so many others. WHY IT WORKS: Partnering with me ensures you access the fastest, most efficient, and effective business funding solutions available today:
► Equipment Financing
► Equipment Leasing
► Working Capital
► Accounts Receivable Financing
► Fast, Unsecured Merchant Advances up to $2 million
► Line of Credit (LOC/SLOC)
► Term Loans
► SBA Loans
► CRE & NOO Funding
► Fix and Flip Funding
► Hard Money We also offer: ► Business credit score establishment and growth ~ for businesses with unestablished or under established business credit profiles.
► Credit Card Payment Processing ~ Saving the average business owner 50% in backend fees.
► Credit Repair ~ for business owners whose personal credit needs help WHAT MAKES ME DIFFERENT: I provide personalized, one-on-one attention, gaining valuable insight into your specific business needs. This enables me to tailor the best solutions aligned with your goals. Simply put, my mission is to empower your business to thrive through our services. HOW IT WORKS: I simplify the process by starting with a phone consultation to discuss your needs and objectives. This initial evaluation is quick and free of charge. Contact me by DM, phone (801) 870-4141 or email derek@expressbizcapital.com. Ready to apply for a loan? https://expressbizcapital.com/apply
Thrive Mortgage LLCDirector of Closing & Operations Improvement Manager
Jun. 2020 - May. 2022United States• Directed the operations of 8 departments, overseeing credit risk analysis and processes to ensure compliance with regulatory requirements.
• Implemented operational strategies that improved closing timelines, enhanced loan quality, and mitigated loss risks.
• Spearheaded resource allocation strategies, enhancing efficiency while reducing credit risks and improving compliance.
• Developed quality assurance frameworks that ensured accurate documentation, reducing exposure to credit and underwriting risks.
Academy Mortgage CorporationCorporate Trainer
Jan. 2020 - Jun. 2020Draper, UtahTrained sales teams on mortgage products, emphasizing credit analysis, risk assessment, and compliance with underwriting standards. Enhanced sales effectiveness by incorporating risk management practices into training programs, ensuring alignment with corporate risk mitigation strategies
Shingle Solutions LLCChief Executive Officer
Mar. 2019 - Jan. 2020UtahShingle Solutions LLC is a Certified Roof Maxx Dealer & Applicator. We apply Roof Maxx to asphalt shingles to restore flexibility to the shingles and add life to your old roof.
Academy Mortgage CorporationMtn. West Regional Closing Manager
Mar. 2016 - Feb. 2019Draper, Utah, United States• Supervised regional closing operations, overseeing credit analysis and loan approval processes for multiple states.
• Implemented systems to improve operational quality and reduce credit risks associated with mortgage closing functions.
• Spearheaded TRID implementation and managed compliance with state and federal regulations, ensuring risk management protocols were adhered to.
• Worked closely with underwriting teams to evaluate and mitigate credit risks, reducing loan default rates.
WJ Bradley Mortgage Capital LLCClosing Manager
Feb. 2013 - Mar. 2016Sandy, Utah• Managed closing teams in Utah and Colorado, achieving over 1,000 monthly closings with a focus on credit risk analysis and underwriting standards.
• Chaired the TRID committee, overseeing companywide credit risk management and underwriting compliance.
• Led cross-training initiatives to enhance team agility and improve overall operational efficiency while reducing credit risks.
• Monitored team performance and instituted quality assurance practices, improving loan approval processes and mitigating financial risks.
US BankPersonal Banker
Feb. 2012 - Feb. 2013
shelley fire dept.Fire Fighter
Aug. 2004 - Nov. 2008
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