Michael Moss Email & Phone Number

Greater San Diego Area

Contracted as an Independent Contractor to complete a time sensitive project; responsible for providing detailed commercial site inspections, analysis, and recommendations in consideration and support of a $250 million corporate investment strategy.Performed commercial site inspections for 13 out-of-state properties under consideration for a $30 million investment purchase.Conducted personal visits to each of the prospective commercial properties during regular business hours; traveling a 3 mile radius researching the surrounding real estate.Provided an audio-video narration of each designated commercial site and the surrounding properties within a 1 mile radius.Provided notes and drawings highlighting the surrounding properties, traffic lights, speed limits, and traffic counts to enable the company to fully evaluate the retail potential of each designated property.Digitally photographed each commercial site from designated property boundaries; all building or property deferred maintenance; and any environmental hazard potential.Completed a detailed site check report during the inspection of the commercial building and land.Upon returning from designated sites, researched and documented the local trade areas; provided multiple street and aerial maps of the subject site area; compiled and provided documentation of the regional demographics; compiled the site inspection reports into a detailed written report ranking the designated properties based on five areas of criteria; and gave a 2 ½ hour presentation to the Investment Committee at the Company's headquarters.Presentation led to the investment purchase of the subject commercial site inspections in December 2010.

California licensed insurance agent marketing personal, business, and commercial insurance products. Skilled and experienced providing superior client servicing; managing relationships in a fast paced environment; and utilizing excellent verbal and written communication skills.Developed and executed marketing and sales strategies utilizing cold-calling, mail, internet lead purchasing, personal relationships, and community events to develop and maintain relationships with potential clients, existing customers, businesses, and organizations. Established key relationships through networking groups with industry related businesses providing supportive marketing.Established community presence through local sponsored events such as city street fairs and chamber of commerce mixers.Conducted consumer financial analysis to identify the needs for insurance related products.Analyzed trends in local market to identify potential sales opportunities.Monitored, managed, audited, and controlled expenses, revenue growth, control, and Profit/Loss activities within Agency.Served as a liaison between clients and Farmers Insurance Group regarding underwriting, billing, and claims.Collected, received, recorded, and deposited client insurance premium payments to the commercial bank account.Reviewed, analyzed, and audited monthly transaction reports for client account postings, ensuring accuracy and completeness.Monitored, researched, and resolved customer questions and concerns promptly and effectively, providing superior client servicing.

Directed 38 employees in the development and expansion of 8 branch lending production offices. Responsible for the administration and management of branch expenditures, growth, and profitability. Led and directed personnel teams cultivating, developing, nurturing, and maintaining internal relationships with Dealer Principals, Automobile Sales and Finance Managers rendering decisions. Prospected and conducted business development; built interpersonal relationships; negotiated and captured automotive installment sales contracts; and followed up on pending approvals through personal field marketing visits and phone contact. Increased and serviced a Loan Portfolio Outstanding of $98.3 million with $44.1 million in annual sales loan volume. Extensive knowledge with consumer lending, automotive dealership operations, auto finance industry, product knowledge, procedures, and fair lending regulations. Guided the marketing and sales development of retail client servicing, increasing the active retail base by 73%. Reviewed, resolved concerns, approved, and closed contractual automotive dealer agreements and financials. As the Senior Lending Officer, provided advanced credit analysis supporting the Branch Marketing-Lending Officers. Managed consumer lending operations including product marketing, business development, sales origination and negotiation, credit determination, loan processing, funding, and client servicing. Negotiated terms of credit approvals, decision change requests, managed exceptions, and communicated adverse decisions to dealer clients while maintaining a strong business rapport. Extensive experience utilizing Experian, Equifax, and Trans Union Credit Reports; DealerTrack; performing credit investigations in support of due diligence. Conducted territory and dealer production analysis; and loan portfolio and branch audits to ensure compliance with company objectives; and corporate, state, and federal regulatory agency requirements.

Managed top producing branch office and team for both growth and profitability for 8 years. Branch constituted 25% of the firm’s loan portfolio assets.Managed an active auto dealer base exceeding 200 franchise dealers in Southern California. Dealer base increased by 50% within 2 years.Led, coached, and motivated the branch Sales Marketing Lending Officers in product marketing, business development, sales origination and negotiation, and client servicingTrained and mentored 15+ Sales Marketing Lending Officers supporting other branches to enable the company growth and profit objectives. Company Loan Portfolio Outstanding increased $25 million over 3 years. Awarded recognition as the top Marketing Lending Officer with highest portfolio profitability from 1992 to 2000.Recognized for top loan production volume from 1992 to 1996, and as one of top three from 1997 to 2000.From 1992 to 1993, on own initiative, developed a business plan and marketed a new region in Riverside and San Bernardino counties; resulting in the opening of a branch in Moreno Valley that quickly came to represent 33% of total company business.Completed the business plan to merge three San Diego County Offices to one location in San Marcos, California. Assumed position as Branch Manager of new location. Monitored work volume to maintain high level of productivity; and utilized performance management systems optimizing growth and profitability.Resolved and monitored client complaints conveying and instilling the highest level of quality client servicing to staff.Directed account adjustment-collection personnel attaining the lowest delinquency reported for all branch locations while maintaining an excellence of servicing standard.Recruited from a leading competitor in 1988 to turn around a branch operating with a loss of $85K in the first quarter. Delivered a profit-making branch within nine months.

Provided leadership and management for 2 branch offices specializing in Consumer Lending and Retail Banking.Developed and generated new contractual dealer client relationships, supporting retail installment purchases through in-direct consumer lending products and services.Formulated, directed, and coached personnel in the marketing strategies of new business development involving retail banking products, services and consumer lending.Monitored, analyzed, investigated and serviced client concerns; conveying and instilling superior servicing.Established branch personnel performance goals; reviewing branch environments and key business indicators to monitor performance metrics in order to evaluate effectiveness relative to marketing, sales, and servicing objectives.Supervised, directed and authorized branch account receivable collection activities.Reviewed and analyzed branch operating reports including financial budget and P&L statements formulating recommendations concerning procedures, controls, and improvements.Conducted security routines including opening and closing branch and vault, reviewing daily branch activity reports, conducting teller cash counts, and monthly branch audits ensuring compliance with security policies and procedures.Monitored and managed branch staffing levels ensuring staff development and talent acquisitions in order to achieve and maintain operational requirements. Conducted branch recruitment, employment interviewing, hiring, training, coaching, mentoring, evaluation, counseling and employee dismissal.

Directed and managed retail operations at two separate store locations, marketing automotive parts and service.Planned, directed, organized, and lead activities related to the marketing and sales of automotive parts and machine services to consumer and wholesale clients.Monitored, analyzed, investigated and serviced client questions and concerns, conveying and instilling superior customer servicing.Set performance goals for store personnel; utilized incentives and promotional programs to motivate staff.Reviewed and analyzed store operating reports including financial budget and P&L statements formulating recommendations concerning procedures, controls, and improvements. Directed and supervised inventory control personnel supporting the store sales operations and risk management procedures. Organized, lead, and directed the annual store inventory audit.Planned, organized, scheduled and conducted staff meetings and training sessions regarding new products, policies, procedures.Performed security routines including opening and closing store and safe, reviewing daily store activity reports, and completeing the daily commercial bank deposit.Conducted store recruitment, employment interviewing, hiring, training, coaching, evaluation, counseling and employee dismissal.