Bradford Freeman Email & Phone Number

•. start up three profitable businesses in Historic Downtown Gastonia (Freeman’s Pub, Publican Square Catering and GasPump Coffee)• Actively managed 2 managers and day to day operations• Directs marketing strategy via social media networking, print and radio• Manages P&L, General ledger, inventory control, state and federal compliance, monthly and quarterly sales goals• Directs staff of 15-20

Gastonia Nc

• Directed and led team which focused on analysis of market data, research (primary and secondary), competitive data, and internal data to provide insightful recommendations directly impacting the ability to meet key company objectives• Gathered strategic intelligence to provide proactive insight into the marketing, communications and press needs for current and new clients• Developed and executed annual research plan to support key strategic company initiatives

Charlotte, North Carolina Area

Promoted from Senior Financial Analyst to AVP:• Hired, trained and managed successful team of mortgage consultants for two offices quickly establishing offices as the most profitable in the region• Effectively managed General Ledger, P&L, payroll and forecasting consistently exceeding monthly and quarterly goals • Established and maximized production within area through development of referral relationships with distributed retail and bank branches increasing sales • Accurately managed and implemented procedures for proper documentation of credit and compliance policies to Federal standards• Executed reduction of DSO (days sales outstanding) resulting in increased profitability• Drafted and distributed all communications and articles in house to appropriate staff• Conducted weekly staff meetings and participated in daily corporate conference calls in addition to monthly round table advisory sessions to ensure the key company objectives were being achieved

Charlotte, Nc

• Hired to manage existing staff of 8 employees quickly growing the company to 104 employees adding 4 new offices in 3 states resulting in being recognized as a top 10 lender in the US• Conducted assessments of sales staff, office general managers, clerical staff and managers by following quarterly and yearly review utilizing quantifiable metrics and standards• Responsible for managing and directing all sales and operations staff, broker relations, human resources, compliance, risk analysis, P&L, general ledger and secondary market bundling• Followed all compliance and risk responsibilities• Frequently traveled to all New World locations, attended industry, conferences and met with investors as needed to ensure company and investor objectives were being met• Oversaw seller monitoring, audit response, pre-funding and post-funding quality control with an average of 62M in funding per month.• Developed secondary market purchase program • Tracked conversion ratio of closed loans versus leads generated through

Charlotte, North Carolina Area

• Interpreted loan and underwriting criteria to determine underwriting decisions and final course of action• Assessed underwriting program’s effectiveness and made recommendations for improvement, along with coaching field personnel and brokers on technical underwriting issues and scenarios• Identified and recommended alternatives regarding loan structuring and financing solutions, in addition to reviewing and analyzing special conditions, loan deficiencies and exception requests to determine appropriate course of action