I provide consulting, advisory and project management services to small business firms in the financial services arena centered around mortgage servicing and debt buying sectors. Examples of focus in these industries was:Mortgage Servicing1. Analytics2. Data Solutions3. Loss Mitigation4. Title Curative ProcessesDebt Buying1. Credit Reporting2. Data Validation3. Servicer Audits4. Policy and Procedure Management5. Project ManagementClients included the following small businesses:• Ursus Holdings LLC• Credit Control LLC• JH Portfolio Debt Equities LLC• Paradigm Assets LLC

FVP, SPECIAL SERVICING DIVISION 2008 - 2010Responsible for servicing of $5 billion (75,000 loans) home equity and lot loan portfolio - including default management, loss mitigation and recovery. Also implemented special default team for $10 Billion in owned loans covering time from failed modification up to foreclosure. FVP, HISPANIC LENDING DIVISION 2007 Led operational support for establishment of new lending division focused on Hispanic market. Responsible for the development of business strategies and financial plans and implementation of products and pricing for new business.VP, HOME CONSTRUCTION LENDING DIVISION 2003 - 2006 Managed product development, pricing and loan exception approval process for Home Construction Lending Division, one of the nation’s top 3 consumer construction lenders ($4 Billion annual volume). Developed and implemented adjustable rate construction product in response to rapidly rising cost of funds. Led team of 7 employees including product managers for Construction, Lot, Builder and Home Improvement product lines.VP, HOME LOAN SERVICING DIVISION 2001 - 2003 Managed servicing of $750 million manufactured housing portfolio with team of 40 employees. Responsibilities included collections, bankruptcy, and foreclosure and repossession management. Established nationwide network of retailers and wholesalers to liquidate large influx of repossessions created by significant industry downturn.

EVP, FINANCIAL SERVICES DIVISION Managed in-house (Oakwood Acceptance Corporation) financial services division for nation’s largest vertically integrated manufactured housing company (Manufacturing –Retailing -Lending). Managed team of 600 employees in 7 locations. Responsible for origination of $125 million in monthly loan volume from 400 retail sales centers and loan servicing of $4.2 Billion loan portfolio (125,000 loans).

EVP, MANUFACTURED HOUSING DIVISIONResponsible for de novo start up of Manufactured Housing Financing operation. Grew business to team of 215 employees in 6 locations. Developed manufactured housing retailer network and business growth to $500 million in annual loan volume and total portfolio to $1 Billion in loans serviced. Developed products and implemented credit guidelines that enabled regular securitization of loans in a very competitive market.

SVP, CONSUMER LENDING DIVISION Managed Consumer Lending Division for large Regional bank. Primary focus was origination and servicing of purchase money second mortgages and the liquidation of the Bank’s automobile loan portfolio. Managed staff of 45 employees originating loans from 6 Regional Banking Centers. Managed Consumer Lending Division for large Regional bank. Primary focus was origination and servicing of purchase money second mortgages and the liquidation of the Bank’s automobile loan portfolio. Managed staff of 45 employees originating loans from 6 Regional Banking Centers.

SVP, SALES FINANCE DIVISION 1993 - 1994 Managed Sales Finance group for consumer lending division. Provided product and pricing support for 230 consumer-lending branches and oversight of centralized fulfillment center. Responsible for national account management and relationships.SVP, DIVISION MANAGER 1992 - 1993 Managed Northeast Region of Consumer Lending Division. Division included 3 Regional Supercenters and 6 operating regions with total of 39 branches and 350 employees. Annual loan volume was $600 million and included sales finance, small loans and second mortgages.SVP, SALES AND MARKETING 1983 – 1992Second employee hired for de novo start up of manufactured housing division that grew to second largest national manufactured housing provider. Responsible for the development and implementation of all products and pricing for both retail and inventory financing product lines. Complete responsibility for opening of first 25 (of 45) Regional offices – included site selection, office build-out and hiring of key managers for each location. Responsible for relationships with all manufacturers to include negotiation of repurchase agreements, implementation of marketing programs and liaison with manufacturer relative to all retailer issues. Developed significant retail and wholesale relationship with nation’s largest manufacturer of manufactured housing, which resulted in 15% of division’s total volume.

MANUFACTURED HOUSING DIVISION 1976 - 1983 Progressed through series of roles with increasing responsibility including Regional Operations Specialist, Corporate Credit Administrator, Region Marketing Manager, Region Manager and Territory Operations Manager. GE CAPITAL AUDIT STAFF 1973 - 1976 Completed assignment in Junior Auditor and Senior Auditor roles. Responsible for conducting operational audits in GE Capital’s consumer finance groups – Home Products (sales finance), Homemakers (small loans), Revolving Credit (private label credit cards) and Manufactured Housing.SALE FINANCE DIVISION 1969 - 1973 Started career as part-time collector while in college. Completed Management Training Program after fulfilling active duty military obligation. Progressed through series of retail branch assignments in GE Capital’s sales finance division culminating in a Branch Manager position. Selected to establish first in-store dealer service unit in the Pittsburgh District with a major national retailer.