Gretchen V.Private profile: Upwork shows its earnings only to signed-in members, so we check it every few weeks, not daily. MRR here is a rough estimate (Upwork's six-month earnings ÷ months active). Last read Nov 5, 2026.

I am an experienced Underwriter and Loan Processor with over 5 years of hands-on experience in the US and CA lending industry. I have worked across MCA (Merchant cash advance), auto loan refinancing, payday loans, and mortgage, supporting lenders by ensuring accuracy, compliance, and efficient loan processing from application to closing. I provide professional underwriting support for MCA, payday, cash, and short-term loans. I can review high-volume applications, analyze bank statements, assess cash flow, and identify potential risks. I typically review 10–20 MCA applications per day and up to 60 cash/short-term loan applications per day, depending on volume and complexity. My bank statement review includes: Revenue and deposit verification Cash-flow consistency and trends NSFs, overdrafts, and negative balances Existing loans, Loan stacking, and ACH obligations Average daily and ending balances Unusual or unexplained deposits/transfers Excessive withdrawals and debt-service burden Discrepancies between stated and actual revenue I identify the strongest and weakest points of each application and assess overall repayment capacity. Based on the risk profile, I can recommend Approve, Decline, or Request Additional Documentation, with clear reasons supporting the underwriting decision. My goal is to help lenders reduce risk, speed up approvals, and close more loans efficiently. If you’re looking for a reliable, detail-driven underwriter or loan processor who understands the US market, I’d be happy to support your team.