Hazel Kaye S.

If you're a funding company or broker who needs bank statements and financials assessed fast and accurately — or a business owner who needs clean books, on-time payroll, and reconciled accounts — I can help. I'm a Commercial Underwriter and Accounting Specialist with 15+ years of combined experience in finance, accounting, and Merchant Cash Advance (MCA) underwriting. I currently underwrite MCA and working capital applications for a U.S. funding company, and I've spent over a decade handling full-cycle accounting — AP, AR, payroll, and reconciliations — for companies across BPO, real estate, and retail. As your Commercial Underwriter, I: • Review 3-6 months of bank statements to analyze cash flow, deposits, recurring obligations, overdrafts, NSF activity, and repayment capacity • Identify stacking risk, existing lender obligations, internal transfers, and unusual account activity • Assess overall business risk based on revenue trends, financial stability, and industry profile • Verify business legitimacy through supporting documents, websites, and public records • Collaborate with funding and sales teams to resolve underwriting conditions and keep deals moving As your Bookkeeper / Accounting Specialist, I handle: • Daily reconciliation of credit card and ACH transactions • Accounts payable and accounts receivable, invoicing, collections, and vendor management • Payroll processing, including deductions and government-mandated contributions • Month-end close support, financial reporting, and reconciliation reports • Tools: QuickBooks, Oracle, SAP Concur, PeopleSoft, and Microsoft Excel I'm detail-driven, deadline-focused, and comfortable owning a process end-to-end with minimal oversight. If you need someone who can protect your bottom line — whether that's catching red flags in a funding application or keeping your books audit-ready — message me and let's talk about what you need.