Jacqueline Heim

Background

About Jacqueline Heim

A results-driven Underwriting and Credit professional with a proven record of enhancing portfolio performance through disciplined risk analysis, meticulous due diligence, and a commitment to operational excellence. My expertise lies in evaluating financial risk, interpreting financial data, and executing sound underwriting decisions that balance growth with security. I am passionate about building robust processes, fostering transparent stakeholder relationships, and leveraging systems that support fraud mitigation and compliance.My approach is uniquely shaped by a quantitative foundation in Applied Mathematics and years of experience in the classroom. I bring a blend of analytical precision and people-centered communication to my work, allowing me to identify risk accurately, explain findings clearly, and build trust across departments, clients, and software partners.Core Competencies:Credit Risk Analysis • Underwriting Operations • Financial Data Interpretation • Portfolio Management • Fraud Detection & Mitigation • Due Diligence • Process Optimization • Quality Control • System Utilization • Stakeholder Relationship ManagementTechnical Tools:Fiserv | TSYS | Salesforce | McLeod | Factorsoft | Power BI | Credit Risk MonitorMicrosoft Excel (Functional)| Microsoft Outlook | Teams | SharePoint | Dun & BradstreetZoomInfo | Sprout | Jira | Wolters Kluwer | TLOxp | SugarCRM | Kompliant Selected Professional Highlights:• Led the underwriting of 300+ merchant applications in the first year, directly supporting the launch of the company’s pioneering in-house underwriting model.• Achieved a 100% file accuracy rate across all underwritten cases, the highest on a 12-member team, through disciplined research and verification practices.• Exceeded quotas by processing up to 13 client applications per day through structured analysis and efficient review procedures.My background as a High School Math Teacher provided an unconventional but powerful foundation for my work in finance. It taught me how to break down complex problems, foster understanding across diverse audiences, and manage multiple priorities with discipline and patience. These skills continue to inform my ability to train teams, communicate underwriting rationale to non-financial stakeholders, and support a culture of continuous improvement.I’m continuing to expand my analytical rigor and strategic perspective with the goal of contributing more deeply to senior-level risk decisions and portfolio strategy. Let’s connect!