I place, service, manage and own several HealthyYouVending Machines. These are strategically located in condominium complexes, businesses, car dealerships, schools, etc. It allows organizations to give their employees and customers a service of healthy vending options.

• Develop and incorporate pricing, sales creation, marketing and promotional events, customer service, cost reduction and technology strategies• Hold full P&L and revenue accountability for over $2MM gross sales• Assist in marketing/promotions to grow business from start to $1.1million in 2.5 years of business opening• Generated positive cash flow after 13 months of being in operation• Manage and implement initiatives and successful franchise integrations• Ability to analyze issues, devise continuous process improvements and incorporate business processes• Increase efficiency, streamline operations and decrease expenses with limited resources• Reduced labor expense from 29% to 24% by analyzing customers served per hour and headcount required to provide quality product with exceptional customer service• Reduced food cost from 41% to 37% by hands-on training on proper portion control, and purchase review • Increase annual revenue by working with marketing professionals to introduce brand and co-op advertise with other local businesses• Hired as Consultant to Franchisees on business plan assistance, training Owners and Staff, and review of leases

Responsible for managing the day-to-day operations of 25 mortgage sales professionals who originate first and second prime loans, government loans and jumbo loansResponsible for co-managing outsourcing company, Aegis PeopleSupport, Customer Care and Sales Agents; Interact regularly with Capital Markets on ensuring loan profitabilityProvide Senior Leadership with suggestions on department improvements, product enhancements and business concernsPerform at or above performance standards, increased lead to application conversion by 35%; maintained application to funding percentage of 68% on a monthly averageDevelop and execute strategies focused on increasing lead conversionSelected to test originating system prior to deployment on system enhancement requestsCo-managed start up of ditech's segregated Home Equity unit, including business plan, hiring staff, training, writing policy and strategyConduct training classes for new employees to provide "refreshers" from new hire orientation - presenting to over 30 people at a timeCoordinated and planned several job fairs to meet monthly headcount goalsEnhance and excel in company production goals while effectively leading a team to exceed sales goals Top Originating Sales team (9 teams total) April & May, 2009

Worked closely with regional AIG and PHH Credit Specialists and Financial Advisors to structure mortgage transactions on behalf of their clientsPioneered ideas for competition amongst team players and business unitsRecommend strategies for increasing Financial Advisor program utilizationResponsible for educating Sales Consultants on how to become Mortgage Professionals and enhancing their company and product knowledge Managed team of new Sales Agents exceeding team target last 4 months, with high of 133% of goalMVP Team, December 2005, Top Sales Team October-November 2005, Most Valuable Team Leader, 4th Quarter 2005

Responsible for the origination of loans for Private Label; Customize mortgage options to assist clients in achieving their financial goalsEffectively managed high volume pipeline to convert leads to salesConsistently exceeded target goals (averaging 150% of target) and quality standards (top 20% of sales floor in each measure)Assisted team players with loan approvals, granting concessions, voiding and reassigning leads, as well as assisting with service recovery effortsManaged the flow of loans in the pipeline to ensure that Financial Advisor and client service expectations were achieved within contractual service level agreementsReceived departmental Production Award, 2003, for excellence

Responsible for underwriting personal loan requests Provided exceptional customer service to borrowers requesting loansTrained new associates in loan requirements and approval guidelines