Bringing new ideas to an industry which is always changing. My goal is not to reinvent the wheel, but to better articulate the way that we do business in this ever increasing digital market.My goal is to increase the presence of Regions Bank along with communication of the many niche/portfolio products that Regions Bank offers which make them different than your normal lender. A true one stop shop for clients buying a new home, or refinancing one they allready own!Specializing in Resident and Established Physician Home Mortgage Loans, Regions Affordable 100% ltv zero downpayment loans, Emerging Professional home loans, C/P and R/P, and Jumbo to Super Jumbo Home loans up to 2million and financial relationship building.

Consulting and Connecting Wholesale Flippers, Investment Rentals, RE Agents, and almost any Real Estate Investor with the right products/services. Helping to create a central meeting place to warrant teamwork and collaboration efforts with the goal of Increasing ROI.

·Designer | Manufacturer | Distributor: Carbon Fiber Fuel Doors, Shift Knobs, A/B Pillars, Dashes, Rear Speaker Trays, Center Consoles, and additional custom automotive accessory details. ·Vision: modeled mission statement, company philosophy and beliefs and developed business plan ·General Manager: Monitor progress among new product categories, ensure quality output product. ·Financial Manager. Prepare reports and take action if trend shifts apply regarding; Weekly Cash Flow, Bi-weekly or Monthly Job Cost, Monthly Profit and Loss Statements, Monthly Balance Sheets, Monthly P & L Compared to Budget Statement, Monthly Gross Profit in Backlog, Quarterlies reviewing gross profit by product, locations, type and quantity.

Artificial intelligence and retro fit Drivers Assistance technologies and development

• Fifth Third Bank PRESIDENTS CIRCLE (#1 Annual Sales Performer) -2015, 2016, 2017• Fifth Third Bank Platinum Performer Sales - 2015, 2016, 2017

Founder of an organization to help promote awareness of depressive disorders and promote community involvement.

• Product Development Onboarding - Mortgage Analyst III – 5/3 Bank – Cincinnati, Oh 12/12- 12/14• Mortgage Credit Analyst III FTM and Product Strategy Onboarding – Fifth Third Bank – Cincinnati, Oh 6/12-12/12• Team Manager/Architect Residential Mortgage HASP Pre-Processing – Fifth Third Bank – Cincinnati, Oh 6/10-5/11

• Provided weekly reports, performance and re-cap meetings with staff, assisted in the overall direction of the corporate structure.• Trained new employees in compliance with company policy, and monitored/ review employees' metrics for performance.• Responsible for department creating lead generation and handled distribution among sales team.• Managed RESPA Team for 5th/3rd Bank, including PTIL lists, distribution based on compliance standards, and handling issues with disclosures.• Procurement of materials and parts using Cost Savings Analysis methods through multiple suppliers across the Cincinnati and Northern Kentucky area. • Initiated a streamlined Database to track historical pricing comparisons and to aid in reducing costs throughout the business.• Design and maintain company Website and managed the online marketing campaign program to build company relationships.• Set measurable goals and targets that enabled goal achievements in 3-year business prospectus including; budgets to set volume; gross profit, overhead and net profit as well as marketing plans.• Monitor team quality accuracy and efficiency through coaching and mentoring efforts. Focus on quality control and review of loan files to ensure adherence to internal and external regulatory requirements.• Prepare reports on current spending and research savings options for future budgets as Lead Financial Manager.• Process restructuring and re-engineering efforts with 5th/3RD bank. Authored and introduced certain mortgage training and process flows to all lines.• Quality Assurance and Compliance Team Lead for parts, clients, insurance claims, and services provided.

·Procurement: Purchasing of shop materials and auto parts using Cost Savings Analysis method through multiple suppliers across the Cincinnati and Northern Kentucky area. ·Database and Website Design: Initiated a streamlined Database for use to track historical pricing comparisons and to aid in reducing costs throughout the business while also providing additional analytical marketing. ·Goal Planner: Set measurable goals and targets that will enable goal achievements in 3-year business prospectus including; budgets to set volume; gross profit, overhead and net profit as well as marketing plans. ·General Manager: Instruct and train employees in Automotive Insurance Repair Projects·Financial Manager. Prepare reports on current spending and research savings options for future budgets.

·Analyze requisitions and requests for purchase to determine the types of materials, supplies, equipment or services required. ·Advise operational management and staff regarding alternatives ·Make recommendation for disseminating information regarding products and supplies. ·Confer with requesting departments; selects, specifies and qualifies suppliers for assigned commodity areas. ·Obtain verbal or written price quotations or prepares formal specifications and bid packages as required. ·Analyze bids, recommends award and prepares the necessary documentation and agenda materials for awards. ·Confer with legal staff regarding contract provisions; responds to formal protests regarding bid awards. ·Visit manufacturers and vendors, and attend demonstrations and obtain samples from potential suppliers. ·Obtain comparative data regarding price, quality, quantity, availability and delivery of materials, equipment and supplies; recommend sources of supply. ·Place orders with vendors and negotiates changes to purchase terms as required; follow-up for contract renewal upon expiration dates, and negotiate and evaluate contracts. ·Resolve purchase order, invoicing and delivery issues. ·Follow-up and authorizes modifications to ensure that districts receive materials and supplies of appropriate quality and quantity in a timely manner. Prepare comparisons for pre-bid meetings; informs vendors of policies. ·Ensure compliance with insurance and bonding requirements and other matters related to doing district business. ·Maintain records and files and prepare periodic and special reports related to the purchasing function. ·Informed on product development and market trends; ·Recommends revisions to supplier lists and other operating elements as required. ·Review the work of less experienced buyers and technical or support staff for accuracy and efficient methods.

·Actively lead and coach cross-functional project teams in the application of Lean Methodologies-Knowledgeable range of collection guidelines, and adhered to investor guidelines to insure compliance. ·Responsible for reporting all Loss Mitigation activities to Senior Management. ·Experienced in dealing with Bank Clients on Loss Mitigation details. ·Experienced managing performance of Foreclosure portfolio and providing monthly reports. -Prepare and review business and function documentation and test plans·Processed Reinstatement and Payoff Figures. ·Compiled current and previous attorney costs + Lender Fees and Costs. ·Performed GAP procedures

·Onboarded new employees in compliance with company policy, and monitored/ review employees' performance. ·Established and maintained operations standards, including RESPA and TILA. ·Provided daily and weekly reports, performance and re-cap meetings with management staff and telemarketers, assisted in the overall direction of the corporate call center. -Contributed to development of Company objectives to deliver client value, and delivered results to meet or exceed objectives·Participated in the resolution of owner concerns and escalated contacts. ·Responsible for lead generation and distribution among sales team.

·Experienced in outside sales and mortgage sales. ·Assist in re-negotiations of purchases based on lending guidelines·Contact lenders to gather information necessary to make appropriate decisions and to explain the rationale. ·Responsible for monitoring compliance with the regulatory and secondary market guidelines on all FNMA, Freddie Mac, VA, FHA investor and PMI loans.

·Systematically and simultaneously analyzed the implications of customer/partner issues and required solutions across multiple customer service areas on behalf of Our Client's Business Groups, Product Groups, and Partners. ·Initiated influence across organizational boundaries to deliver customer resolutions while bringing focus and accountability to the Software Giant's products and services across the company. ·Addressed the most sensitive and complex issues while honoring the customer/partner perspective throughout the Response Management escalation process.· Established the most effective resources to resolve customer\partner issues through business group/executive-level interactions. ·Identified systemic issues and work with corporate business owners to implement changes that promoted and increased positive customer and partner satisfaction. ·Proactively identified and efficiently completed projects related to Response Management business processes.

·Experienced in the Consumer Packaged Goods industry. ·Conducted analysis of scanner and consumer panel data in support of client’s strategic initiatives and made analytical presentations to small client groups. ·Conduct training with client associates regarding Nielsen products and services. ·Built and maintained ongoing business partner relationships with client contacts. ·Contributed to development of team objectives to deliver client value, and delivered results to meet or exceed objectives. ·Provided problem-solving skills using deductive reasoning, understanding hierarchical relationships and identifying gaps in logic. ·Made basic capabilities presentations to comparable level client contacts. ·Proficient in syndicated data analysis using Nielsen data. ·Demonstrated ability to write proposals and make small group presentations.

·Built and maintained ongoing business partner relationships with client contacts.-Contributed to development of Company objectives to deliver client value, and delivered results to meet or exceed objectives.-Provided problem-solving skills using deductive reasoning, understanding hierarchical relationships and identifying gaps in logic.-Made basic capabilities presentations to comparable level client contacts.-Calculated business figures such as discounts, interest, commissions, percent yields. ·Defined market requirements, collected data, established facts and drew valid conclusions. ·Demonstrated team-oriented working skill and customer service orientation. -Assisted in Initial Company Startup Build

-Manage up to 15 direct reporting positions-Research metrics to help new product development and improvement in product delivery and presentation.-Monitor team quality accuracy and efficiency through coaching and mentoring efforts. Focus on quality control and review of files to ensure adherence to internal and external regulatory requirements.·Review credit applications, credit bureau information, tax returns, financial statements, and other supporting documentation necessary to recommend and approve requests. ·Assist with the calculations and preparation of reports for review, responding to customer inquiries and credit decisions, and ensuring credit files are current, complete, and compliant with company standards. ·Negotiate interest rates in conjunction with the clients credit profiles and analyzed competitive situations.• VP Mortgage Operations Manager- Granite Banc, Inc. – Cincinnati, Oh – 3/01-3/02• Senior Mortgage Loan Officer - Granite Banc, Inc. – Cincinnati, Oh – 10/00-3/01