Investment Property Mortgage Lender:Fix and Flip LoansHard Money LoansNew Construction LoansResidential Bridge Loans

NC Real Estate Broker and Investor with experience finding real estate properties that will cash flow. This includes identifying a suitable investment property and negotiating the purchase price, after estimating renovations and rental potential.● Improvements: Hire and supervise contractors to perform remodeling or maintenance work.● Accounting: Collect and manage all rental income, accounts payable, and accounts receivable.● Analysis: Review potential tenants’ credit reports, calculate debt ratios to verify the tenant’s ability to pay, call previous landlords for references, and prepare lease agreements.

This is my third time of actively opening a financial institution branch. In addition, I have previously brought online two other financial institutional branches into the organization I was employed by as a Manager. That said, I have a strong aptitude in project management.In addition, I have the ability to guide exceptional customer service to patrons while expanding branch growth and continuously coaching an exemplary staff. Overall responsibility for the function and operation of the branch while growing revenue and suppling best in class service.

Decisions credit requests within individual loan authority while adhering to SBA lending policies and Economic Injury Disaster Loan government program guidelines. Assures loan documentation is in compliance with loan approval standards, State and Federal regulations; assists in the detection of fraud; reviews and ensures compliance policy objectives are met. Executes a system of credit analysis and quality control for all loans made, up to two million dollars, as required by the EIDL lending guidelines. Performs written analyses on all loans, large aggregate lending to one borrower, and complex loans.Proud to have a direct impact helping small businesses, their employees and their families during this difficult time; 2020 has been truly unprecedented for us as individuals and as a nation. May God Bless us as a nation moving forward.

Manage operations and customer service activities by delivering financial services and products to consumers, while meeting strategic plans and ensuring regulatory compliance. Very strong background in financial and credit solutions, as well as consumer and small business lending. Exceptional sales acumen to overcome resistances to any product or service and garner a positive outcome. Powerful business insight and a keen ability to find the right solution to resolve difficulties which is essential for growth. Excelled at business to business sales by driving value added benefits to all parties involved. Personal organizational ranking, top one percent in product sales and top three percent in overall lending while having continued accolades for customer service. My personal productivity and my teams exponential productiveness has approximately doubled since I started in 2015. * Professional Team Development: Ensure all staff members receive ongoing training to continuously improve banking and lending knowledge. * Business Improvements: Solicit action plans to optimize operational policies/procedures and controls, and mitigate controllable losses in operations. * Instituted cutting-edge initiatives by continuously focusing on driving branch loan performance, which led to increasing consumer and small business lending by 30.64% in the last few years.* In 2019, $3,924,210.41 in consumer and small business loans were originated, approved, and disbursed by me.* In 2019, first in product sales and second in the number of loan decisions made.* Integrated a plan to educate clients on the importance of credit and how to make improvements to maximize our lending market potential and increase branch growth. * First in successful loan audits and quality control procedures.

Coordinate multiple projects across business channels within the context of bringing a new product to market. Work with project team and key stakeholders to devise best practices and continuous improvement of project delivery across the enterprise. Collaborate as part of the Board of Directors to determine impact and implications of various business options and recommend the best course of action. Coordinate meetings and synchronize the efforts of major initiatives involving multiple teams to reach corporate milestones.

Manage operations and customer service activities within a branch by delivering financial services and products to consumers, while meeting strategic plans and ensuring regulatory compliance.

Initiated, sold, and serviced new and existing mortgage loans. Demonstrated strong sales and service leadership skills directed toward effectively serving the clients.

Effectively managed my real estate business producing at a minimum a million dollars in sales annually. Direct real estate transactions, including listing negotiations, marketing, sales negotiations, purchase contracts, repairs, loans and closings.

Authority as a CE4 to approve and sign all insurance applications in the absence of the owner agent. Initiated, sold and serviced new and existing insurance policies to meet current and long term individual goals.