Responsible for Accounting, Safety and Office Management. Assist with HR in management of personnel including office personnel, shop personnel and drivers. Maintains daily control of expenses with spreadsheets, collections and management. Approves invoices to be paid by accounting department. Compiles and sends invoices to vendors. Consults with owners as needed.

Retired 2011...Responsible for assisting Officers in sales of their special asset portfolio thru investor referral. Managed bulk note sales.Managed the monthly charge-off projection process of non-performing assets.Part of the management team of the Troubled Debt Restructuring process for satisfactory reporting to REHAB management and Credit Risk Assurance. 5-year workout project was completed inside 3 years.

Sales of insurance products including term and whole life products, long-term care, disability income protection and fixed annuities.

Assisted clients with commercial loans, residential mortgage loans and general aviation financing, Evaluating personal and business financial statements as well as other documentation supplied. Package loan summaries and proposals in a manner satisfactory to lender’s requirements. Work closely with residential lenders thru the use of DU underwriting skills for Fannie Mae products. Coordinate meetings between clients and lenders. Advised clients of loan commitments offered by financial institutions, then followed through with closings. Maintained close working relationship with clients.

Employed by Southern Financial Mortgage, Brownsville Bank and INSOUTH Bank all affiliates of Independent Southern Bankshares. **Southern Financial - Branch Manager responsible for all activities in secondary mortgage operation with eleven employees. Consistently ranked first or second in overall company rankings consisting of 31 offices. Maintained second lowest delinquency ratio three consecutive years. Consistently ranked first or second in credit life sales, generating sizable bonuses for all branch personnel. **Brownsville Bank - VP Memphis Loan Production building commercial loan portfolio from $0 to $14 million. Responsible for all loan origination in Memphis, including the management of seven employees. Administered all branch activity – from origination through credit analysis, title analysis, site inspection, approval, coordinating closing and collections. **INSOUTH Bank - VP Commercial Lending and General Aviation Lending increasing commercial loan portfolio from $14 million to $31 million. Managed portfolio personally, including collections, insurance follow-up, secured new loans and renewals plus acted as closing agent in some circumstances and cross-sold all bank products and services. Made decisions in collection of large commercial transactions.