Linked clients to resources and guide them through the home buying process.Empowered clients with necessary tools to make an informed home purchase. Analyzed client’s financial capacity, budget management, behavioral economics, and risk assessment; debt to income ratio and home affordability; mortgage terms review and comparisons, to ensure successful and sustainable homeownership. Assisted clients in foreclosure remediation. Facilitate first time home buyer education (HomeStretch).

Short term assignment. Assisted Owner/ CEO with the start-up of his construction company: Business plan and financial projections to secure financing; employee manuals; best hiring practices; union laws & company compliance; accounting and bookkeeping controls; payroll reporting; OSHA safety manuals and implementation; construction billing, creditors terms and contract negotiations—public and private.

Short term assignment. Updated internal accounting processes to streamline information and provide management current and reliable financial information at all times.Updated accounting records to reflect the actual health and needs of the organization.Prepared an SBA loan package presented to a community SBA lender.Prepared an submitted a Minority Certification for ICI.Assisted with product selection and logistics for trade shows.

Business Consultant for minority business.As a business development consultant I came in at any phase of the business -- the idea that needed to be framed into a business plan, start-up face, secure financing, growing pains, exit strategy, and everything in between-- and worked towards the best outcome for those involved. Assisted entrepreneurs with start-up projections; employee and operations manuals; process analysis to streamline operations; brand development and sales strategy; access to financing (SBA, commercial or community lending loan packages); short and long term planning; minority certifications; government contracting RFPs and GS Schedules; and general business coaching-- including assisting in the execution of the plan when needed. Successfully assisted businesses of different size, industries, financial abilities, cultures and business understanding. I can bring a big issue to bite sizes for easier crisis management and clarity, and enjoy the creative thinking of fitting a new puzzle piece [/ product/ program/ business idea] into a global picture with a unify vision.

Responsible for over 20 M in assets, and 1.5 M operational budgets. Handled all marina operations, including financials, human resources, employee benefits, member services, revenues, & budgets. Reported monthly to the Board of Directors & marina members. In care of the marina PR, and external communication with guest, vendors, the US Corp of Engineers and all public and government officials.Created job descriptions that accurately and objectively measured performance, aligned with the goals of the organization. Worked with, and trained, a diverse group of Spanish and English speaking employees.

Devised a business plan the company presented to its largest prospective customer—Shop at Home Nashville TN. Sourced for product in China, Mongolia, India and Indonesia. Managed quality control, on-time product delivery, and human resources. Trained multicultural staff on company wide processes and procedures and customer service.Negotiated leases and vendor contracts for the five retail stores we had in TN and Atlanta. 2002 to 2005

Constructed a business plan for the company to attract investors and built the team of initial employees. Negotiated all leases and vendor contracts and sourced for product in China, India, and Indonesia. Designed initial processes and procedures. Managed company wide budgets and operational costs. Designed and put in place training manuals of processes and procedures for English and Spanish speaking employees. Translated company wide documents.

Developed and managed the retail store expansion program designed to increase revenue. Directed the retail management team, created the business operational plan, and devised bilingual policy and procedure manuals used by the retail division. Established a sales tracking system. Managed payroll, payables/receivables, and retail cash flow. • Directed a program that resulted in the generation of 8 new stores and $1.5M in revenue for the season.• Created and implemented human resources and administrative policies and procedures, resulting in a decrease in staff turnover and a more productive workforce.• Developed new systems that resulted in operational savings and added revenue of $250K.

Managed restaurant revenues, forecast sales, implemented marketing plans, scheduled staff, and served as the special events outreach coordinator.• Initiated sales incentives that increased the guest check average by 17%.• Implemented improved customer service programs that optimized customer satisfaction.• Designed a training program for new hires, increasing employee satisfaction and standards.• Schedule weekly meetings with BOH personnel in order to increase communication, reduced complaints and increase efficiency.