Head of all U.S. and Puerto Rico Loan-portfolio and OREO/REO Sale and Mark-to-Market Operations for Largest Federal Contractor Verified Vendor of International and Domestic Commercial, Residential, Consumer Loan Sale, Capital Markets and Asset Management Firms: *Directly manages underwriting / valuation, sales and closing desks for all commercial, residential, consumer and M&A engagements.*Serving the full credit spectrum; performing, NPL & NPN, REO, OREO, charge offs, secured and unsecured credit card, student and personal loans.*Advises Community, Regional, Super-regionals, Money Center Banks and Credit Unions in addition to non-bank creditors, prior to and throughout entire engagement(s). **Provides direct client communication for cradle to grave (including post-closing support) best execution to achieve results far superior to competitors. ***Implements proprietary MarketMaker Hybrid Loan Sale approach whereby all portfolio transactions are presented to market for loan-level diligence in addition to providing pool and whole portfolio stratifications. *Successfully closes 98% to 100% of all Engagements through deadly accurate valuation and intensive marketing by drawing on experience garnered through $46 billion in UPB sold with friendly, personable, professional and patient client experience.*Working together as a team toward the ultimate goal of maximizing returns, minimizing losses and making you look good to the Loan Sale Committee and Bank Board through the wise choice in Vendor Selection!*simultaneous or separate engagements as required for HFS compliance and repeat clients** Case examples of 28% increased client yield through Hybrid MarketMaker approach - unparalleled results!

Guardian’s unique hybrid sales strategy allows clients to market and sell both individual assets and whole portfolios simultaneously, helping them achieve higher velocity of sales and maximum yields.Traditionally, sellers wishing to dispose of assets in bulk must employ a wholesale approach that garners only a fraction of the potential yield. In contrast, a retail approach may earn top dollar for each asset, but it is not scalable enough to comprise a full disposition strategy. With Guardian's approach, clients get the best of both results.Our approach gives the seller the opportunity to maximize yield through an individual sale, as well as clear assets via a portfolio sale and reduce carry — without wasting valuable time or resources. Through strategic pooling and individual asset marketing, we are able to earn full price for the most liquid assets, lowering the basis of the remaining portfolio and allowing for a more aggressive wholesale disposition. Our customized distribution provides access to both individual investors and portfolio buyers, with the broadest possible participation to ensure that the market is cleared.With Guardian’s hybrid strategy, our clients are able to combine the attributes of both the retail and wholesale sales models. Our unique approach features:Broad market exposureStrategic asset poolingCustomized bid processIndividually underwritten assetsState-of-the-art secure environment

Most seasoned salesperson on the trading desk of a mini-boutique loan sale advisory firm. Covering buy and sell side needs of institutional clients including hedge funds, private equity firms, insurance companies, money center banks and debt buyers. Sell side experience advising financial institutions on monetizing performing and nonperforming assets across the commercial, residential and consumer debt class. Buy side experience unlocking value across the afore mentioned asset classes and matching portfolio transactions with buyer yield requirements.*Trained existing and new hires in efficiencies of SalesLogix CRM, Intralinks VDR, Account Based Marketing and simplistic proprietary software. *Developed and instructed Partners on implementation of new revenue generation with successfully executed sale of bank assets covered under Loss Share Agreement.*Concluded tenure with revenue generation in excess of combined total of 4/6 of firm's Sales Executives.** See Linkedin recommendations for additional credits.