Vice President - Southeast Regional OTC ManagerIncreased sales from $2 million/year to over $300 million/year.Exceeded Net Income goals for region by over 200% each year.Managed a portfolio of 2000+ OTC loans at any one time for the entire Southeastern United States.Managed and serviced the Southeast Region to include Georgia, Florida, Alabama, North and South Carolina, Tennessee, Kentucky and Mississippi and two regional offices.Responsible for growing and maintaining a regional construction to permanent loan portfolio. Consistently met/exceeded production and pre-tax income goals while maintaining asset quality. Direct and indirect sales, conducted training/workshops for sales force and hosted builder seminars. Structured and negotiated loan pricing. Managed a team perfoming collateral underwriting by review and approval of construction budgets, plans & specs, builder registration and construction draws/disbursements.Responsible for profit and loss projections, budget projections, fixed asset and portfolio reporting.Managed troubled assets/workout accounts from other regions in addition to current region.

Construction Loan ManagerLaunched and managed residential construction loan department with a portfolio of ten million plus.Doubled sales volume in Construction Division in six months.Created construction loan and construction-permanent loan programs and guidelines for this newest division including legal documents, loan analysis and product sales for Georgia, Tennessee and North Carolina.Oversaw financial analysis and forecasting for two joint venture products and twelve other corporations owned by Sunshine.Managed and trained commission distribution for 70+ loan officers in six states

Portfolio AdministratorPrepared fundings, including preliminary review of construction/holdback draw requests for compliance with loan documents for commercial, retail and multi-family projects.Analyzed monthly operating statements, cash flows, annual budgets and leases in portfolio for commercial, retail and multi-family projects.Handled property taxes, escrow adjustments and portfolio reviews.