www.renofi.com/derron-pocci. | (858) 321 - 3791 | derron@renofi.comTop Performer 2024 | New Loan Production $33,697,000 | Total Reno $46,432,00042 (5 Star) Reviews - 150 Units Closed - $832,961 Revenue GeneratedLoan Types: 1st Mortgages (CNV, FHA, VA), 2nd Mortgages (HELOC & HELOAN), Non QM (DSCR, Bridge)Renovation Types: ADU, Full Home Remodel, Additions, Kitchen & Bath, Landscaping, New ConstructionRenoFi partners with general contractors, remodelers, tech partners, agents, designers and architects to make home renovations possible. Renofi home renovation loans allow one to borrow up to 90% of the After-Renovation Value of an owner-occupied home. 2nd lien HELOCs up to $750,000. There’s nothing else like it!

www.smarthomelenders.com | (619) 808 - 9684 | derron@smarthomelenders.comWe help Home Owners find Financing for their next Smart Home Remodel or Purchase.We offer coaching to property owners on how to incorporate the next generation of IoT devices and appliances into their next Home Purchase or Remodel. Modernize your Real Estate Portfolio while we do the hard work of finding the right team of Contractors, IT Professionals & Improvement Specialists to get your project completed.We are helping bridge the gap between Technology and Aging Real Estate.

o Developed Data Excel Model for Reporting on Regional Cycle Times & Branch Product Mix Analysis, as well as Branch Pro Forma, Pricing Engines, Minimum Profitability Calculatorso Created Data Model off PowerBI Star Schema Design to allow maximum workbook efficiency & industry standardization o Created & Modeled Branch Pipeline Workbook to assist multiple Branch Onboarding Projects, Workbook was finalized to be a template for all new onboarding Branch Managers & Loan Officers. o Managed a portfolio of 3 Active Loan Pipelines from various regions, helped direct workflow to alleviate unknown processing bottleneckso Assigned new loans to ops team to help direct capacity & workload to ensure pipeline efficiency & successo Conducted regular pipeline reporting and updates to managed pipeline portfolio, to ensure Executive Team was informed of real time business data analysis & updateso Mapped out entire loan process via email template, to allow streamlined automation of client interaction & new loan applications entering into Pipeline View

o Created Standardized Internal Branch Operating Process, customized to the company provided software systems from Corporate Services Teamo Interviewed & Hired Branch Operations Team & grew from 2 to 7, Processing All-Starso Total Funded $112MM, 313 Unitso Restructured & transferred several LO workflows to Ops Team, allowing Sales more productive time facing clients, & Ops team clearing for docs. Boosting the Team to achieve a funding record, not accomplished since Branch Inception. o Managed Active Loan Pipeline of 100+ Units, $50MM +o Trained & Onboarded 3 different job roles, created a workflow with several document guides for each role, and developed a “Well Oiled Processing Machine” o Created and Designed new branch level closing position & closing process, to eliminate CD & Final Doc Redraw Closing Problem that was unresolved prior to employment. o Increased Average Total Branch Closed Loan Volume by $2.7MM & 8 Units per monthTotal Monthly Avg // Volume, Fundings // Volume, UnitsDerron Pocci__$13,677,XXX__45.XXPerformance Since Inception __$10,959,XXX__37.XXo Implemented Branch, Sales & Ops Team Meetings to review pipeline & discuss branch goals on a weekly & monthly basis to help reach Branch Funding Objectives Collectively o Scrubbed Closed Loan Pipeline to see which FHA loans qualified for CNV refinancing due to equity gains of the recent market boom, then provided customized client prospect list for LO Team, saw increase in repeat client refinances Q1 2021

Collaborate with Relationship Managers (RMs) and Executive Loan Committee (ELC) to help determine appropriate loan product(s), loan amounts, and optimal structure. Qualify loans for approval and demonstrate ability to package deals effectively for RMs to present to ELC.Skillsets Used- Underwrites all types of income, all product types including Residential QM, Non QM, Investor & Jumbo products. Evaluates risk while ensuring high quality loan packages. - Strong knowledge of complex personal and business financial analysis, tax returns and balance sheet analysis, including cash flow analysis.- Analyze each loan file, ensuring the Loan Approval Worksheet, loan narrative, appraisal(s), application, preliminary title report and verification's meet secondary market and First Republic Bank loan program criteria and are accurately documented.

Responsible for preparing commercial loan documents according to the approved credit recommendation, while ensuring adherence to bank policy guidelines for corporate level clients. Skillsets Used-Ensure new deals, renewals, annual reviews and change in term transactions flow from the Relationship Manager all the way to Booking with ease. - Review FS, AR/AP, BBC, Contract Status reports for Portfolio Management & spreads monitoring compliance. - Prepare loan documents for closing & funding, while satisfying underwriter, title, outside legal & bank credit recommendations- Build out client profiles and organizational structure using entity documents. tax returns, trust documents, appraisals, etc. - Execute SWAP documents on eligible transactions- Complete draw & wire requests to ensure the proper financial covenant requirements or authorizations have been met. - Maintain contact with various CFO, Controller & Authorized Signors to execute funding's, transactions & financial reporting.Achievements- Funded & Documented $300+ Million in Loan Commitments since hire date- Manage $700+ Million client portfolio and ensure financial reporting requirements are met monthly & quarterly.

Responsible for working directly with the Borrower, Loan Officer and Lenders to obtain and evaluate documents and verifications to successfully complete the processing of a mortgage loan. Also responsible for reviewing, analyzing and calculating income qualifying documentation from personal and business tax returns. Extensive knowledge of Conventional, FHA & VA loan limits and guidelines.Skillsets Used-Managed 60+ loan pipeline – Calyx Point Software – Adobe Software – Cash Flow Analysis – Underwriting Experience – Knowledge of DU and LP systems – Structured files based on investor guidelines – Reviewed Credit Reports - Detail-Oriented and Organized – Followed TRID compliance and disclosure procedures to maintain minimal exceptions Achievements - Presidential Club for funding 223 loans, $80+ Million, during 2017

Responsible for helping clients sell and purchase residential properties, specializing in condominiums & single-family residences – Provided financial information & analytical data to potential buyers and sellers – Sought out acquisition targets & developed book of leads – Acted as an intermediary in negotiations between buyers & sellers over property prices & settlement details prior to/during the closing of sales – Compared properties to determine fair market price.Achievements - Closed the highest priced two-bedroom condo, ever sold in the complex, while only being on the market for 14 days.

Responsible for helping clients sell and purchase commercial properties, specializing in office space.• Provide financial info & analytical data to potential buyers and sellers.• Seek out acquistion targets & grow book of leads.• Act as an intermediary in negotiations between buyers & sellers over property prices & settlement details, & during the closing of sales.• Compare properties to determine fair market price.

•Provide financial information and analytical data to potential clients ex."emerging markets, new listings, future growth, property owners, property investment clients"•Seek out acquisition targets and grow book of leads•Compare properties with similar properties to determine fair market price•Create investment packages for clients to generate potential contracts•Familiar with FastWeb, LoopNet and County Assessor Websites