Professional Summary (NMLS #1594263, DRE # 02016896)NMLS licensed Mortgage Loan Originator with Access to a variety of loan programs to fit every client’s needs – Fixed, Adjustable and Hybrid Mortgages, including Conventional, VA, FHA and Portfolio loans. US Air Force Veteran, and has over 25 years of experience in Finance, Analytics and Logistics. Made a natural progression to the Real Estate finance industry using his analytical skills and his ability to navigate complex issues. Dedicated to making the borrower’s home financing experience a pleasant one! Takes prides in exceeding customer’s expectations and makes every loan file a top priority. Known for being an honest, hard-working family man. Described by friends as an appreciative, loyal, friendly person that takes great joy in helping others succeed.Qualifications and Accomplishments• Enabled purchasing department to be more accurate and efficient by instruction and set up of an automated buying program• Successfully lead teams in purchasing, import/export, and risk management• Completed five RFPs for government businesses (USDA and Military) each for $20MM+• Surpassed the expectations of the Division US Foodservice President by increasing the bottom line income through logistics – 26 to 106 basis points• Managed the purchasing department during a system conversion.• Reduced inventory by over two million dollars -- 20% in excess and obsolete• Used cost reduction analysis on a select number of larger volume items for military and school usage. The customer cost was reduced while the annual divisional income increased by an estimated $170,000• Negotiated and evaluated carriers to lower local delivery costs by 22% while increasing service• Increased on time service by 68% by elevating ownership of responsibilities• Analyzed, recommended and implemented methods of reducing transportation cost of $1 million per quarter utilizing Oracle, and other database applications