Support Central Texas Business Owners finance their growth and create wealth through SBA 504, SBA 7(a) and USDA loan programs.

Ava has 6 plus years experience in SBA lending, with a firm credit background. She started underwriting transactions and presenting reports to management for consideration; key skills in unfolding complicated scenarios, and explaining risks and mitigants in a transaction. Strong knowledge of SBA SOP. Of particular interest to her are complex scenarios, but has experience in owner-user commercial loans (to construct, renovate, refinance, expand and acquire), construction, business acquisitions, investment in large equipment financing, franchise financing and refinance of existing debt, in various industries including food and beverage, distribution, logistics, retail, services, and real estate. Ava has grown through the organization and assisted leading a team of underwriters, and acts as a decision maker for loan requests. She provides day-to-day leadership and support management to a service organization that mirrors the adopted mission and core values of the organization

Creating opportunity for small business owners in Texas by providing access to the capital and education needed to start a new business or grow an existing business.

THREE ROLES WITH VMI: Lead Business Finance Analyst: • Analyzed existing billing procedures, identified cash flow challenges, redesigned and implemented a new accounting system resulting in improved reporting and 45% of workload reduction • Monitored solvency with a focus on identifying current and future risks to the business including identifying and evaluating emerging risks and stresses impacting the business • Provided extensive analytical support for management, presenting ratio analysis of financial statements and tax returns, identifying liability and accrued interest discrepancies and reporting corrective actions to management Strategic Planning & Operations:• Analyzed current operations processes and made recommendations for improvements or automated recurring reports• Defined, led and translated customer needs into contractor requirements for procurement. Formulated bid packages, evaluated proposals, and supported negotiations for contracts Associate Real Estate Analyst and Asset Manager:• Led execution in excess of $550k commercial refinancing, directed team to due diligence, resolved deal structure issues and assisted with closing transactions, saving over $15k • Cultivated and fostered working relationships with external business partners to define required functionality of capital investment, prioritize the implementation schedule, organize and facilitate acceptance, ensuring all deliverables met specifications• Prepared detailed pro forma analyses, verified waterfall distribution schedules and presented alternative investment or scenario comparisons• Generated $12k in property tax savings by using the cost and sales comparison approaches to determine fair market value and establish uniformity• Manage all aspects of rent collection including receipt, deposit and delinquent account resolution

Recovering, reconciled over $70K in Aged Receivables within a three-week period contributing to positive cash flow• Developed procedures, prepared financial statements, and took ownership of all account reconciliation and closing• Researched marketing strategies, designed and launched new website and increased social media presence• Utilized Excel to manage leads, project’s cost schedule, and project revenue forecasts, improving communication

• Exceded sales and customer service targets in rapidly-evolving technology solutions for small to midsized businesses by launching local partnerships from 75% of new business development initiatives • Penetrated key prospective accounts and performed consultative selling skills to identify opportunities, overcome objections, build relationships and turn cold canvassing into sales• Bridged wire line and wireless sales by conveying the benefits of products and connecting people to the world through multiple screens and advance technology, increasing sales by 35%• Created metrics to determine daily activities according to daily, weekly and monthly goals in excel• Established and maintained relationships with product partner representatives and assisted in outreach to promote latest technologies and products.

• Collaborated with top sales consultant in department for coaching and mentoring opportunities, identified area of growth opportunities, and fostered teamwork in a competitive commission based environment • Exceeded sales and productivity ratings by up-selling and adding on merchandise with 30% higher sales than department average• Examined sales reporting summaries and created metrics to evaluate daily activities against monthly sales goal