As a result of our merger with Golden Eagle Insurance, I am pleased to be part of the Unitas Financial Services team! We are excited to launch a fresh logo, new brand colors and a revised website. Innovative Risk Solutions and Golden Eagle Insurance joined forces to expand our comprehensive risk protection and related technology solutions for lenders and real estate investors. The mission of our new company is to lead the industry in products, innovation, and client experiences through superior service, unmatched responsiveness, and attention to detail. Protequity remains one of our specialty products and allows lenders to safely originate and service high combined loan-to-value home equity loans, piggyback seconds, and home improvement loans. Make more loans without increasing the credit default risk. www.unitas360.com

Innovative Risk Solutions was formed to bring together the most experienced, forward thinking professionals to solve the complex coverage needs of lenders, lender service providers, and the real estate investor community. Our programs reflect years of experience designing and implementing risk transfer solutions for all sectors of the financial institution marketplace. Our Protequity program is backed by a financially strong insurance partner which allows banks and credit unions to safely originate and service higher combined loan-to-value home equity loans, piggyback seconds, and home improvement loans. Make more loans without increasing your credit default risk.

As a leading provider of insurance tracking services and products in North America, van Wagenen has more than 75 years of risk mitigation experience. Being an industry leader in collateral protection, we are dedicated to our clients’ satisfaction and provide comprehensive solutions for lenders of all sizes. Whether your needs require insurance tracking, lender placed flood and multi-peril insurance, or blanket single interest, we have highly customizable programs and services to fit your needs. Through proprietary systems, committed partnerships, and vast expertise, we provide a complete outsource solution for lenders seeking to outsource their work. All this at a fraction of the cost it would take to do it internally.

Leading the sales and marketing efforts of a newly formed subsidiary of JAL Enterprises, Inc. We are a sister company of Universal Assurors Agency, Inc based out of Omaha, Nebraska. Galileo is authorized to operate on a multi-state basis as a licensed insurance agency and provide full service program administration, sales, underwriting, risk management, claims, and loss mitigation services. As we continue to build our suite of products and services, our team will deliver solutions that meet the specific needs of our target market of community banks and credit unions.

Managed and led a team of seasoned mortgage professionals in Greensboro, North Carolina and Oak Brook, Illinios, in qualifying mortgage insurance claims to ensure compliance to industry and investor guidelines.

Recruited to build a direct sales channel for business growth and delivery of multiple risk management and loan origination products to the retail lending market.Selected Achievements: Created the initial direct sales channel within 60 days of recruitment that allowed broader product penetration on a nationwide basis. Enhanced product pipe-line and increased revenue potential through strategic partnerships with external corporations. Led efforts to integrate new product offerings, such as debt protection, collateral protection, and various loan origination services into the organization.

Managed the sales and marketing function for the Domestic Consumer Group Operations. Directed and supported a team of professional regional managers, account executives, and inside sales representatives throughout the United States that specialized in business to business sales of mortgage insurance and related services to retail lending institutions. Selected Achievements:• Built a high performance sales team that increased overall new insurance written in excess of 72% while meeting internal risk standards. • Developed and executed strategic plans related to a key market which led to an increase in new insurance written in this segment of 27%. • Demonstrated organizational leadership by being selected for the President’s Forum, leading the company’s United Way Campaign, and being the recipient of an award nominated and chosen by employees for the team member that most exemplifies the following characteristics: Heart, Positive Attitude, Integrity, Team Player, Communicator, and Customer Focus.

Managed the sales efforts of account executives and inside sales representatives in delivering mortgage insurance and related services to retail lending institutions. Selected Achievements:• Revitalized company brand within retail lending trade groups through networking, sponsorships, speaking engagements, and direct advertising. This brand marketing initiative increased new insurance written in excess of 34%. • Directed a cross-sell initiative delivering ancillary products such as term life and gap insurance to financial institutions. • Pioneered the consolidation of our sales and marketing groups. This successful consolidation led to increased sales appointments, improved communication, and improved group moral.

Directed the sales strategies of account executives in delivering mortgage insurance to retail lending institutions. Selected Achievements:• Enhanced production in developing markets by placing account executives in strategic locations. • Integrated and directed a cross-sell initiative delivering additional mortgage insurance products to a specific channel. This successful initiative delivered new insurance written in excess of 122% over prior year.

Executed an aggressive sales plan for the startup and expansion of the Southwest and Northwest territories. Conducted sales calls and developed customer relationships with key strategic lenders.Selected Achievements:• Significantly increased sales production in these immature territories to profitably support a localized Account Executive.• Built and maintained strategic relationships with key accounts through direct marketing and by working directly with customers to tailor products to meet the needs of local markets.