Established independent consulting firm representing viable commercial borrowers to private family offices, hedge funds, private funds and institutions for minimum $1M in project financing. Provide responsibly planned financial instruments to ensure clients’ financial health. Interface with clients to determine financial stability and recommend best possible structure. Commercial, multi-family, and industrial construction, purchase, and refinance financing plus business lending and investing through SBA loans, bridge loans, and investor origination. Some of our recent transactions:1. $211,000,000 Construction Loan for Mix Use Building – Brooklyn, NY2. $14,500,000 Line of Credit for Inventory and Working Capital – Window Manufacturing Company – New York, NY3. $11,000,000 10,200sf Residential Acquisition and Construction. Arranged bridge loan used for acquisition and construction of high-end condos marketed for sale. – Brooklyn, NY4. $8,650,000 49 Condominium Portfolio Refinance – 4.75% 10 year Fixed 30 Year Amortization – Williamsburg, Brooklyn, NY5. $8,250,000 Cash-Out Refinance – 3.625% 5 Year Fixed 30 Year Amortization – Client who needed funds for an investment opportunity. Borrower’s borrowers tax returns were very complicated we were able to close in 45 days – Berwyn, PA6. $8,000,000 Line of Credit – 5.00% I/O – E-Commerce Toy Company with 75% of Sales Seasonal and from Amazon. – New York, NY7. $6,000,000 Bridge for Conversion of 2 Historic 43,227sf Buildings Converted to 47 Luxury 1 and 2 Bedroom Apartments with title defect, created structure to Protect Lender and Borrower allowing Construction to Begin, set for full completion both buildings in 6 months. Contracted for $13,000,000Fannie Mae takeout after stabilization. – Pittsburg, PA8. $3,400,000 Bridge Cross Collateralized Against $17,000,000 Building in Delray Beach, $5,600,000 Investment Property in Boca Raton and $4,000,000 Investment Property – Boca Raton, FL

Originated 1-4 family residential mortgage loans for renovation and new construction with budgets of $500K to $2M.Key Achievement: - Formed affiliation with Homes for Heroes to support police officers, firemen, EMS personnel, teachers, and military personnel and their families in purchasing homes.

As federally licensed banker with Hilltop Holdings, Inc., originated 1-4 family residential mortgage loans for purchase, refinance, renovation construction, and new construction in all 50 states. Defined and pursued target market of borrowers purchasing their second home due to family expansion. Key Achievements: - Refined and integrated 71-step sales, marketing checklist and loan process, into Salesforce.com. - Originated average of 20 loans each month by defining business plan that drove sales through weekly open houses with two top-producing agents; monthly buy vs. rent seminars; and Money Talks one-hour fiscal literacy program for companies with 500+ employees at zero cost to partnering employers. - Won exclusive mortgage banker agreement with Foremost Homes, a 55-year old system built home manufacturer in Greencastle, PA with sales of 150 homes per year in Pennsylvania, Virginia, West Virginia, Maryland, and Washington, D.C. Wells Fargo previously managed account for 20 years.

Licensed by New Jersey Department of Banking and Insurance and Pennsylvania Department of Banking and Securities as mortgage loan originator. - Collaborated with management to transition team to top-tier federally licensed platform while originating residential loans.

Established and operated firm to provide clients with financing solutions, guidance, advice and education. Conducted individual interviews with each prospective client. Reviewed all documentation prior to underwriting, worked with in-house counsel to review, negotiate, and execute fee agreements and made funding decisions.Key Achievements: - Built $3B project pipeline in biofuels, commercial and industrial LEED certified building, geo-thermal, lighting, solar and wind despite 2009 freeze on commercial mortgage bank security market by providing viable financing solutions and steering clients through lending process. - Differentiated firm in market with unique value proposition by creating formula and process to quantify value of sustainability when faced with lack of either comparable projects.

Directed all sales operations encompassing marketing, business development, standard operating procedures, systems, and sales force management. Key Achievements: - Ensured delivery of consistent marketing/consumer experience and legal/regulatory file compliance by creating, developing, and mapping Perfect Loan Process comprised of 71-step checklist. - Ranked consistently as #1 originator by building dedicated support team to manage client interviews/screenings, pre-processing, and marketing. - Optimized performance and effectiveness of 100 employees by negotiating and orchestrating Dale Carnegie audit of sales team and training session on “How to Win Friends and Influence People.”