Qualified Funding Specialist

T&E Simple Solutions LLC is a financial solutions company specializing in credit improvement, personal funding, business funding, and financial education.

We help clients strengthen their credit profiles, identify financing opportunities, and access appropriate funding solutions based on their qualifications and financial goals.

We are seeking an experienced Funding Specialist who understands both personal and business financing and can independently evaluate client profiles, develop funding strategies, and manage applications from start to finish.

This is NOT an entry-level position. We are looking for someone with hands-on funding experience who understands lender requirements, underwriting guidelines, and strategic funding methods.

Key Responsibilities

1. Credit Profile Analysis & Funding Readiness

Review personal and business credit reports to determine funding eligibility.

Analyze FICO scores, credit utilization, payment history, inquiries, debt-to-income ratios, and existing credit limits.

Identify which clients are funding-ready and which require additional credit improvement.

Recognize potential underwriting issues that could result in denials.

Determine the most appropriate funding options based on the client's financial situation.

Develop customized funding strategies to help clients pursue suitable financing opportunities.

2. Personal Funding

Must have direct experience with personal loans and unsecured financing options, including:

SoFi

LightStream

Upgrade

LendingClub

Discover Personal Loans or comparable lenders

Banks and credit unions

Personal lines of credit

Unsecured personal loans

Debt consolidation financing

Responsibilities include:

Understanding lender credit score, income, and debt-to-income requirements.

Identifying which lenders best match a client's qualifications.

Reviewing prequalification options when available.

Understanding soft inquiries versus hard inquiries.

Evaluating loan amounts, interest rates, repayment terms, and approval conditions.

Assisting clients throughout the application and documentation process.

3. Business Funding & Credit Card Stacking

Must have experience with:

Business credit cards

Business lines of credit

Business term loans

Business credit card stacking strategies

Business credit building

Revenue-based financing

SBA financing fundamentals

Unsecured business funding

Responsibilities include:

Evaluating business revenue, time in business, creditworthiness, and available documentation.

Identifying business financing options based on personal and business credit profiles.

Understanding personal guarantees and business credit requirements.

Developing responsible credit card stacking strategies where appropriate.

Understanding lender application rules and inquiry sensitivity.

Helping clients avoid unnecessary applications and excessive debt exposure.

Managing funding applications and tracking approvals.

4. HELOCs & Secured Financing

Must understand:

Home Equity Lines of Credit (HELOCs)

Home equity loans

Loan-to-value (LTV) and combined loan-to-value (CLTV)

Equity calculations

Property-based financing

Income and credit qualification requirements

Owner-occupied versus investment property financing

Secured versus unsecured borrowing

The specialist must be able to identify when a client may benefit from an equity-based funding option compared with an unsecured personal or business loan.

5. Funding Strategy & Client Management

Conduct funding consultations and financial profile reviews.

Determine the most appropriate funding route for each client.

Explain funding options, qualifications, and potential limitations.

Create organized funding plans based on client goals.

Request and review required financial documents.

Track applications, pending approvals, denials, and completed funding.

Maintain accurate client records and provide consistent updates.

Follow up with clients and lenders throughout the process.

Coordinate with our credit repair team to identify clients who may qualify for funding after improving their credit profiles.

Required Qualifications

Minimum 2+ years of verifiable experience in personal funding, business funding, lending, or financing services.

Proven experience working with U.S. lenders and financial institutions.

Hands-on experience with personal loans, including SoFi or comparable lenders.

Strong knowledge of business lines of credit, business credit cards, and credit card stacking.

Understanding of HELOCs, home equity financing, and secured lending.

Ability to analyze consumer credit reports and financial documents.

Familiarity with Experian, Equifax, and TransUnion credit reports.

Strong understanding of FICO scores, utilization, debt-to-income ratios, and lender qualification requirements.

Experience managing funding applications from initial consultation through final decision.

Strong written and verbal English communication skills.

Excellent organizational skills and attention to detail.

Ability to work independently without constant supervision.

Experience with CRM systems and client tracking software.

Preferred Qualifications

Previous experience with a U.S.-based credit repair or funding company.

Experience working with multiple lenders and financing products.

Knowledge of business credit bureaus and business credit profiles.

Familiarity with GoHighLevel or similar CRM platforms.

Experience developing funding strategies for entrepreneurs, real estate investors, and small business owners.

Understanding of lender underwriting guidelines and documentation requirements.

Performance Expectations

The ideal candidate must be able to:

Review a client's credit and financial profile and determine funding readiness.

Identify suitable personal or business funding opportunities.

Explain why a client may or may not qualify for specific funding products.

Develop a clear funding strategy based on the client's financial goals.

Manage multiple funding applications and client files efficiently.

Maintain accurate records of submitted applications, approvals, denials, and funding amounts.

Communicate proactively with clients and management.

Recommend when a client should improve their credit profile before pursuing financing.

How to Apply

Please submit:

Your updated resume.

A brief summary of your personal and business funding experience.

The lenders and funding products you have worked with directly.

Your experience with SoFi, HELOCs, business lines of credit, and credit card stacking.

Examples of funding cases you have successfully handled, without disclosing confidential client information.

Your expected monthly salary.

Your availability and preferred working hours.

Important: Applicants must have actual funding experience. General customer service, credit repair, or appointment-setting experience alone does not qualify.

We are looking for a knowledgeable, detail-oriented Funding Specialist who can independently evaluate client profiles, identify appropriate financing solutions, and help grow our funding department.