Michael E. Gary Email & Phone Number

Palm Beach Gardens, Florida, United States

Manage and maintain merchant services portfolio. Market to small business owners for credit card processing, business financing, factoring and check verification. Attain and perform various real estate consulting contracts including loss mitigation, delinquent property tax auctions, private money mortgage purchases, and due diligence on acquisitions of residential real estate. Top producer of sales volume, and revenue for a major direct processor as an independent Territory Manager.

West Palm Beach, Florida, United States

Managed investment properties for individual investors and hedge funds. Listed and sold properties when needed.

Merchant Services

Managed a network of local SunTrust Bank branches merchant services departnment. Solicit new business owners and existing customer base for merchant credit card banking and processing. Negotiate interest (discount) rate prices, terms and fees. Promote wide range of additional products including check verification systems, Point Of Sale terminals, and Internet services. Provide technical knowledge and training. Exceed monthly goals and consistently increase personal production. Continually manage over 350 accounts processing $4 million per month in volume. Provide superior customer service and relations. Maintain excellent retention of personal accounts.

Solicit new and existing customer base for sub-prime first and second mortgages. Exceed monthly production and sales goals in both volume and loan revenue. Performed various outside consulting projects and assignments including residential loan acquisitions, private mortgage purchasing, and delinquent property tax auctions.

Managed the disposition of assets in a $10 million residential and small commercial portfolio. Persuaded customers to pay delinquent loans up to date, sell their homes, or refinance their delinquencies prior to foreclosure. Negotiated and sold individual non-performing small commercial and residential loans to private and corporate investors. Coordinated with legal council on Ch. 7, 11, and 13 bankruptcies and eviction matters. Managed, repaired, and sold Real Estate Owned (REO) property after foreclosure. Strong loss mitigation experience. Produced over $100,000 a month in net gain from non-performing bank assets.

Loan Officer/Principal Broker for Mortgage Brokerage Business. Developed new business for bank's residential mortgage department. Originated over $20 million in mortgage loans. Maintained bookkeeping and financial reporting.