IOU Financial is a leading online lender specialized in helping small businesses with healthy cash flow. Typical customers include medical and dental practices, grocery and retail stores, restaurant and hotel franchisees and ecommerce companies. IOU Financial provides a unique approach to lending through an advanced, automated application and approval system. This accurately assesses applicants’ financial realities, with an emphasis on day-to-day cash flow trends, and makes small business loans of up to $500,000 to qualified applicants in only 24-48 hours. Speed and transparency make IOU Financial a trusted alternative to banks. IOU Financial operations is based in metro Atlanta, Georgia with headquarters in Montreal, Canada and publicly traded (TSX-V: IOU). For more information, visit http://IOUFinancial.com.Job Duties:• Responsible for creating and maintaining ongoing Loan Audit Findings. Loan Audit’s to be done on monthly random sample, New Underwriters for first 30+ days, ALL loans that go 5+Late. • Report to Exec Team – all monthly audit findings and identified training opportunities. • Maintain and update underwriting guidelines as needed and make sure all stakeholders are properly notified of changes. Keep guideline versions updated. • Maintain all state and federal compliance law changes and updates in the “compliance” module in the system. Update all stake holders of any changes. • Notify Exec team of any pending legal changes that may impact our business. Work on contingency planning for various scenarios to ensure our business model isn’t threatened by political, federal or state changes that could negatively impact the IOU Financial business model. • Handle loan exception review (like credit committee review) for our Account Executives and Processors on loans with issues or exception requests.

Responsible for managing processes and frontline underwriters for a national wholesale mortgage company insuring files meet FNMA & FHLMC guidelines as well as company overlays.Job Responsibilities: Project ManagerClient Specific Responsibilities:• Day to day responsibility for management of all Project activities – Primary point of contact w/Client.• Implement the Project Execution Plan (PEP).• Prepare Project status reports.• Be accountable to the Project Sponsor/Directors for the success of the Project in terms of timetable, costs and achievement of objectives.• Re-appraise Project priorities and scheduled activities, and subsequently develop and recommend changes to the Project Plan (Ramp-Up plan and PEP).• Oversee the production and maintenance of all Project plans.• Monitor and update progress of the Project against the Plan.• Preparation of Management Meetings Agendas and Minutes• Sets up and maintains Project Library (Training Materials, FAQ, etc)• Monitors records and reports to the Project Manager/Directors the progress of the project against plan• General project administration activities• Ensures Project facilities are available as required for the project team, including computer resources, staff support, program/technology needs, etc.• Develops and refines project processes as required• Provides project infrastructure templates, for e.g. agenda’s, meetings, minutes, etcIndecomm specific Responsibilities• Facilitate all training for team with client• Provide guidance/training for any quality items as identified by client and/or manager• Development and maintenance of Client Relationship• Assign loans to teams, manage pipeline• Conduct and facilitate internal quality control audits• Daily management of staff, handle questions from project, etc.• Recruiting, hiring and training• Periodic production as necessary to meet goals• Prepare monthly project reports and weekly updates

I have been active as a partner in the operation of this full service aviation company that operates a flight school and manages Rutherford County Airport for the county. We have been successful establishing ourselves as one of the premier flight schools and best airports to visit in the southeast. I have earned my private pilot instrument rating and fly almost everyday for business purposes.

Responsible for opening NC & SC in January of 1999 and as the Southeast Sales Manager I was responsible for the hiring, training, and production of eighteen account executives in 5 states.Promoted to Branch Manager for the Atlanta wholesale office in February 2000 where I was responsible for the day-to-day operations of a fully stand alone wholesale office covering 5 southeastern states production. In May of 2001 I opened the Charlotte branch and quickly became one of the top branches in the company in production and quality.

Responsible for the hiring, training, and production of ten account executives in North Carolina, South Carolina, Virginia, and Maryland. Built the regional processing center and territory from scratch starting in 1996 as the account executive for Charlotte, NC. We were the top producing region in 1998 for the company.

Responsible for the hiring and training of both the sales and processing staff, while maintaining collections and the sale of foreclosures.1991-1992 Top originator in NC1993- First full year as a branch manager, I increased production from 3.3 million for 1992 to 9.6 million in 1993. Branch finished third in volume out of 145 branches in the company.