Richard Scholtz Email & Phone Number

Seattle, Washington, United States

Creating Debt (Loans) - Twenty plus years of structuring and negotiatingloans from origination to funding. Thoroughly familiar with Commercial finance and Residential Mortgage Banking. Prior experience marketing intangible financial services, mortgage products and leasing and capital finance. Clients included business and consumer markets such as home-builders/land developers, small institutions and retail clients. Located prospects, uncovered their needs, and serviced the account through the processing, underwriting, and closing of their financing. After 2008 Focused on the Stated Income Commercial Loans...Airbnb properties and DSCR-based loans - Lite-Doc Alt "B" commercial loans. With only 2 active lenders nationwide - That was a good niche.Selling Debt (Bonds) - Ten years as a securities broker and restricted (144) stock specialist I was entrusted to recommend investments and manage their retirement savings as an investment broker. Served various corporations in the area of cashless stock options. Structured Bond ladders for fixed-income accounts and pension accounts to capture yield while not extending maturity. My fixed-income knowledge was best suited to conservative retirement accounts and small institutions.

Seattle - Tacoma

Top 5% among their 40 loan officers. Solicited mortgage loan referrals from builders,attorneys, C.P.A's and realtors. This meant turning prospects into clients and then processing and closing their loans in this very difficult underwriting environment.Managed and trained 3 loan officers 2 processors and numerous telemarketers.Closed all kinds of conventional, jumbo, and government loans. My experience includedJohn L Scott Corporate Relocation where we served the Amazon Recruitment Program transferring executives. Brokered various commercial loans on multifamily properties. Wrote customized mortgage template for A.C.T. software which the company adopted. Started a telemarketing call center that employed 8 part-time telemarketers to generate leads for our company.

Greater Seattle Area

Managed 30 Million Dollars for 400 accounts representing 200 families and some institutions.Specialized in debt instruments and structured bond portfolio's for conservative clients and credit union clients. Prospected for these clients and then convinced them to entrust me with their savings. Served as Restricted Securities Coordinator for the Seattle Office. This gave me access to "insider" management stockholders of the Northwest public companies where I assisted in theCashless exercise of their stock Options and Rule 144 trades. Worked on the Cashless Options for the Bristol Myers buyout of Oncogene BioTech in the NW as well as serving worldwide staff of a Freight Forwarding company during the InterTrans buyout in USA Europe and Britain.Retirement Plan Specialist designation which allowed me to present a retirement class forBoeing Employees and use financial planning and modeling software called PRIME. Primary investment vehicle were bond ladders and managed account as monitored by Frank Russell.

Bachelors, General Studies

Activities and Societies: Came to college on a International Scholarship - Worked as a Freelance Photographer.

Education record

Activities and Societies: Cadets