Owner responsible for the purchase, rehabilitation and marketing of real estate in the South Jersey market.Negotiate with banks, realtors, brokers, contractors and home owners, supervise rehabilitation work on properties ensuring appropriate budget expenditures in order to achieve desired profitability on each investment.Responsible for the staging, marketing, and sale of all acquired properties.Attained an average of 40% return on investment.

Owner responsible for the day to day operations of a preschool. Duties include; full P&L responsibility, financial reporting, payroll, insurance and benefit processing, sales, marketing, customer and vendor communication and overseeing the care and education of enrolled children.Restructured the business in every area to allow for incremental growth while encouraging open communication and feedback in order for customers to share ideas and participate in their child’s education and care.Increased teamwork skills among current staff members in order to better maintain and accomplish enrollment goals.Cut costs and increased profits by building enrollment by 44% in the first year, in spite of a challenging economy.Partnered with Director to review all job applicants and annual employee evaluations.Planned and coordinated marketing events including community days, open houses and hosting Chamber of Commerce luncheons.Handled all human resource functions for the company, including; recruiting/hiring, terminations, payroll and benefits coordination.Created and maintained employee policy and procedure handbook.

Directed a team of lending managers who led teams of loan underwriters; with the main responsibility of approving, structuring, and capturing automotive loan contracts for the company.Led one of the most successful territories in the company in terms of profitability, volume and delinquency. This translated to a well-respected reputation for the company in the market place.Selected to work on almost every project dealing with credit and sales program changes within the division. Including an automation project to increase efficiencies, new underwriting matrix projects to improve underwriting quality, integration project combining two divisions of the company to increase economies of scale, and the prime integration project which introduced our division to the underwriting of prime loans.Conducted numerous on site and off site seminars and training sessions upon the roll out of these programs as well as educated underwriters and managers on how to properly underwrite prime loans.Assisted the organization with tremendous growth year over year. Excelling Wells Fargo to the number one non-captive auto lender in 2006.Received the "Star performer award" in the year 2004 for outstanding sales volume in the region.Traveled throughout my territory building relationships with our dealer base and participating in sales and credit training seminars within assigned territories.