Strategic Leadership: Develop and implement a robust strategic plan to advance the company’s mission and objectives, leading to sustainable growth.Operational Excellence: Oversee the company’s operations, ensuring efficient and effective management of resources, processes, and people.Financial Management: Direct the fiscal activities of the organization, including budgeting, reporting, and audit, ensuring financial strength and viability.Team Leadership and Development: Build and maintain a high-performing management team; foster a culture of excellence, innovation, and continuous improvement.Stakeholder Relations: Act as the primary spokesperson for the company, effectively communicating with shareholders, investors, customers, and the public.Innovation and Product Development: Drive the development of cutting-edge products and services, ensuring the company stays at the forefront of technological advancements.Market Expansion: Identify and capitalize on new business opportunities, expanding market presence and customer base.Compliance and Risk Management: Ensure adherence to legal and regulatory requirements, managing risks to the company’s assets and reputation.

Strategic Leadership: Develop and implement a robust strategic plan to advance the company’s mission and objectives, leading to sustainable growth.Operational Excellence: Oversee the company’s operations, ensuring efficient and effective management of resources, processes, and people.Financial Management: Direct the fiscal activities of the organization, including budgeting, reporting, and audit, ensuring financial strength and viability.Team Leadership and Development: Build and maintain a high-performing management team; foster a culture of excellence, innovation, and continuous improvement.Stakeholder Relations: Act as the primary spokesperson for the company, effectively communicating with shareholders, investors, customers, and the public.Innovation and Product Development: Drive the development of cutting-edge products and services, ensuring the company stays at the forefront of technological advancements.Market Expansion: Identify and capitalize on new business opportunities, expanding market presence and customer base.Compliance and Risk Management: Ensure adherence to legal and regulatory requirements, managing risks to the company’s assets and reputation.

Responsible for implementing strategic plans as set by the Board of Directors and senior staff members, as well as annual goals and objectives; financial, program, and administrative management; and organization leadership. Guidance and direction are provided by the President of the Board, and by the Board and its Executive Committee. iHRO's services to individuals, other service organizations, and the local community with a focus on collaboration, directing, and participating in public relations and fundraising activities. Establish goals and budgets; Develop policies and procedures; Monitor and approve the organization’s program services to ensure achievement of the mission and goals of BGC in collaboration with and support of the Board of Directors. Oversee management and attainment of resources necessary to ensure the organization's stable financial operations are conducted per applicable laws. Working with complex budgets, grants, grant reporting, corporate development, and fundraising is essential. Including securing and managing funding from diverse sources, developing strategies to increase revenue streams, and ensuring financial sustainability. Oversee talent management activities of the staff including recruiting, training, mentoring, and evaluating both paid and volunteer staff, and provide leadership to Club staff by developing administrative and operational standards by which goals will be met. Shape the culture of the organization, creating a positive workplace and developing a high-performing team. Provide professional leadership to the Board of Directors to ensure the development of an effective and motivated Board, including identification, recruitment, training, and involvement of Board members in meeting the goals of the organization. Act as a key player in the development of institutional policies, procedures, and practices ensuring that the organization complies with local, state, and federal requirements. Reports to the Board of Directors.

-Assist issuers and stakeholders with respect to MBS administration activities: running and monitoring daily reports; analysis and reporting of counterparty risk; offer a definitive interpretation of applicable regulations and procedures; associated with annual/quarterly budget documentation reports and other routine MBS administration activity.-Perform ongoing monitoring and reconciliation of activities such as Guaranty Fee, Pool Transfers and Commitment Authority activity and fees.-Respond to outside inquiries, perform analysis or research, and coordinate with appropriate parties to resolve issues associated with lost or damaged MBS certificates and other certificate holder inquiries.-Analyze issuer compliance with the range of administrative laws, policies, regulations, and precedents applicable to the administration of the Ginnie Mae program.-Supervise and participate in support of Ginnie Mae MBS Platform modernization initiatives as a SME or ORG Admin for the implementation and operationalization for new software and processes as deployed.- Assist with the development, documentation, and deployment of public policy as pertains to the securitization and management of FHA, VA, USDA & PIH mortgage-backed securities.- Communicate and assist program issuers with clarification of policy and procedure along with steps to ensure compliance with existing laws, regulations, and agency policy.- Assist in the development, deployment, and enforcement of public policy and procedure.- Assist with the consultation of the proposed policy and legislative changes to ensure compliance with and adherence to the mission of the agency.- Help to create, deploy and administer ongoing monitoring, enforcement, and application of punitive sanctions programs to mitigate VA prepayment speeds on MBS Certificates to further strengthen the economy, mitigate risk to the investor, taxpayer, and help further stabilize the MBS market to facilitate a positive outlook for interest rates.

• Identifying market opportunities and hires/develops retail Mortgage Loan Originators and Branch Managers. • Identify new business opportunities for their existing Mortgage Loan Originators in order to meet office goals. • Develop/execute overall market strategy to increase retail volume, market share and profitability. • Support production office(s) 1 year business plans, consistently monitor progress versus plan. • Ensure profit and loss is maintained and profits exceed losses to the branch and company. • Collaborate with operations support to ensure customer service, loan quality and pull through targets are achieved and/or exceeded. • Communicate and implement company policy and procedures. • Provide regular performance reviews and coaching for Loan Originator development. • Provide regular reporting to ownership on retail performance within the assigned market. • Produce personal loan volume at or above target expectations. • Maintain active recruiting database. • Promote Company Brand in assigned geography; support efforts that enhance the brand. • Ensure compliance with federal and state regulatory guidelines. • Remain abreast of market trends and housing conditions. Field underwrite lending clients to current guidelines.

• Identifying market opportunities and hires/develops retail Mortgage Loan Originators and Branch Managers. • Identify new business opportunities for their existing Mortgage Loan Originators in order to meet office goals. • Develop/execute overall market strategy to increase retail volume, market share and profitability. • Support production office(s) 1 year business plans, consistently monitor progress versus plan. • Ensure profit and loss is maintained and profits exceed losses to the branch and company. • Collaborate with operations support to ensure customer service, loan quality and pull through targets are achieved and/or exceeded. • Communicate and implement company policy and procedures. • Provide regular performance reviews and coaching for Loan Originator development. • Provide regular reporting to ownership on retail performance within the assigned market. • Produce personal loan volume at or above target expectations. • Maintain active recruiting database. • Promote Company Brand in assigned geography; support efforts that enhance the brand. • Ensure compliance with federal and state regulatory guidelines. • Remain abreast of market trends and housing conditions. Field underwrite lending clients to current guidelines.

Responsible for: • Identifying market opportunities and hires/develops retail Mortgage Loan Originators and Branch Managers. • Identify new business opportunities for their existing Mortgage Loan Originators in order to meet office goals. • Develop/execute overall market strategy to increase retail volume, market share and profitability. • Support production office(s) 1 year business plans, consistently monitor progress versus plan. • Ensure profit and loss is maintained and profits exceed losses to the branch and company. • Collaborate with operations support to ensure customer service, loan quality and pull through targets are achieved and/or exceeded. • Communicate and implement company policy and procedures. • Provide regular performance reviews and coaching for Loan Originator development. • Provide regular reporting to ownership on retail performance within the assigned market. • Produce personal loan volume at or above target expectations. • Maintain active recruiting database. • Promote Company Brand in assigned geography; support efforts that enhance the brand.

Responsible for: • Identify market opportunities and hires/develops retail Mortgage Loan Originators. • Identify new business opportunities for their existing Mortgage Loan Originators in order to meet office goals. • Develop/execute overall market strategy to increase retail volume, market share and profitability. • Support production office(s) 1 year business plans, consistently monitor progress versus plan. • Ensure profit and loss is maintained and profits exceed losses to the branch and company. • Collaborate with operations support to ensure customer service, loan quality and pull through targets are achieved and/or exceeded. • Communicate and implement company policy and procedures. • Provide regular performance reviews for all Loan Consultants. • Provide regular reporting to Production Manager on retail performance within the assigned market. • Produce personal loan volume at or above target expectations. • Maintain active recruiting database. • Promote Company Brand in assigned geography; support efforts that enhance the brand.

Responsible for:• Establish, develop, and maintain an active and vibrant referral network.• Identify qualified loan applicants that are in compliance with Conventional & Government underwriting guidelines. • Analyze loan applicant’s income, taxes, W2’s, and profit and loss statements to identify qualifying ratios for mortgage loans.• Analyze loan applicant’s tri-merge credit reports for qualifying scores for mortgage loans.• Analyze real property valuations to determine viability of the proposed financial products.• Identify after credit analysis potential areas of improvement within applicants credit reports to include derogatory items that may materially impact the lending process. • Coordinating effective communication throughout the loan process between customers and underwriting to ensure rapid response to conditions and closing times.• Monitor market conditions to optimize the yield spread for clients when negotiating interest rates for mortgages.• Utilize DU findings to ensure the most complete file submission to underwriting along with potential areas of concern to address and overcome.• Monitor and manage workflow on loans to identify processing, underwriting, and borrower documentation that must be collected or completed to meet QC and loan program underwriting guidelines to include additional lender overlays.• Utilize creative problem solving and conflict resolution skills to eliminate potential issues that can arise within the lending process to ensure lender and borrower satisfaction.• Develop and co-host local mortgage radio program on AM talk radio and nationally on Iheart Radio.

Responsible for:• Contribute to creation of, and directly manage the production and management of a multi‐faceted regional marketing campaign that includes TV, radio, outdoor, events, public relations, social media, and other tactics. • Collaborate with sector managers and marketing and technology teams to create, distribute, and train on compelling campaign training materials for use throughout networks.• Collaborate with stakeholder partners on coordination of campaign activities amongst partners. • Create campaign production schedules, monitor activity and notify stakeholders of relevant outcomes, fluctuations, and plans.• Participate in the selection process for, and subsequently manage day‐to‐day relationships with external agency partner(s).• Develop metrics and track integrated campaign effectiveness utilizing internal reporting and system audits and then design and report on program outcomes/progress to internal and external constituents. • Routinely analyze data and troubleshoot to understand issues and identify solutions; proactively plan for contingencies. • Oversee quality control and ensure approvals are obtained on all appropriate activities and ensure compliance with government guidelines for reporting.• Prepare and disseminate regular summary reporting for senior management. • Perform special projects as identified.• Manage multiple employees on team.

•Analyze applicant’s income, personal taxes, W2’s, business taxes with all schedules to include profit and loss statements to identify qualifying ratios, adherence to standards, red flags, the potential for further investigation and need for supporting documentation.•Analyze property titles for encumbrances, utility easements, and right-of-ways established that may inhibit the lien position of the investor.•Analyze real property valuations to determine viability of the proposed financial products.•Analyze applicant’s tri-merge credit reports for accuracy, fraud warnings, qualifying scores, character through performance on existing debt, and potential for further clarification and documentation.•Analyze reports to assess acceptability of proposed collateral utilized to secure the requested credit.•Thorough knowledge of credit guidelines for VA, FHA, FNMA, FHLMC & USDA programs and additional lender overlays as applicable to the specific risk exposure for the product guidelines.•Identify through credit analysis potential areas of concern within applicants lending profile, points of clarification that may materially impact the ability to extend credit and the ability of the lender to resell the note on the secondary market. •Coordinating effective communication throughout the lending process between all parties and departments to ensure rapid response to conditions and meeting of established timelines that may materially affect the borrower and institution.•Monitor guidelines and governmental updates to ensure compliance with directives from investors, state and federal governing bodies, accuracy of submission, and appropriate risk management assessment.•Utilize AUS systems to assess, identify, and address areas of concern ensuring adherence to all applicable guidelines.•Utilize creative problem solving and conflict resolution skills to eliminate potential issues that can arise within the lending process to ensure lender, investor, and borrower satisfaction.

Responsible for: • Identify qualified loan applicants that are in compliance with Conventional & Government underwriting guidelines. • Analyze loan applicant’s income, taxes, W2’s, and profit and loss statements to identify qualifying ratios for mortgage loans.• Analyze loan applicant’s tri-merge credit reports for qualifying scores for mortgage loans.• Analyze real property valuations to determine viability of the proposed financial products.• Identify after credit analysis potential areas of improvement within applicants credit reports to include derogatory items that may materially impact the lending process. • Coordinating effective communication throughout the loan process between customers and underwriting to ensure rapid response to conditions and closing times.• Monitor market conditions to optimize the yield spread for clients when negotiating interest rates for mortgages.• Utilize DU findings to ensure the most complete file submission to underwriting along with potential areas of concern to address and overcome.• Monitor and manage workflow on loans to identify processing, underwriting, and borrower documentation that must be collected or completed to meet QC and loan program underwriting guidelines to include additional lender overlays.• Utilize creative problem solving and conflict resolution skills to eliminate potential issues that can arise within the lending process to ensure lender and borrower satisfaction.

Responsible for:• Analyzing client Information and assessing their risk profiles and product needs through the consultative sales approach.• Anticipate the product and life needs of clients to effectively meet and exceed client expectation and key performance metrics.• Creating and maintaining relationships with commercial and consumer clients including planning and attending meeting and knowing about the nature of the business or life of the client to optimized cross platform product saturation.• Researching the current marketplace to ensure that recommendations to clients maximize their financial investments to their strongest benefit.• Providing advice to clients on risk management and assist them in developing new ways to minimize exposures to risks while improving the risk exposures of the company.• Preparing reports for insurance underwriters and negotiating with clients.• Renewing and modifying existing policies.• Marketing and capturing new business through networking, B2B, B2C, referrals, and social media outlets.• Advising clients on the claims process on their policies applying creative problem solving to diffuse tense and emotional situation when and if they arise.• Developing and maintaining relationships with surveyors, structural engineers, underwriters, and other industry professionals to provide points of contact for clients and increase my referral network.• Collecting insurance premiums and processing accounts payable.• Maintaining and accounting detailed records of client household portfolios to improve ROI.• Maintaining and accounting detailed records of my own business profit and losses to ensure maximum utilization of incoming and outgoing capital towards expenditures to increase profitability and streamline business processes.• Sourcing, interviewing, training, managing and inspiring employee’s to meet client service metrics along with key sales metrics.

Responsible for:• Assisting homeowners through the short sale process to liquidate their home asset while minimizing their exposure to negative repercussions and maximizing the ROI on the asset for the investor holding the note on the asset.• Assisting homeowners through the mortgage modification process by consulting and guiding them through HAMP and other non-GSE modification programs with their current mortgage servicing providers.• Assisting homeowners through the foreclosure process to relocate to new living arrangement to minimize the negative impact of the foreclosure event while consulting with them on how to reestablish their credit profiles to achieve homeownership in the least amount of time possible• Create, develop, and implement marketing plans to sell single family and multifamily homes to prospective home buyers through traditional marketing avenues such as MLS listings and open houses while implementing guerilla marketing through established professional networks, internet sources, and social media. • Develop professional networks through cold calling, advertising, telemarketing, association memberships, and referrals.• Develop prospects through professional networks, referral sources, traditional, and non-traditional marketing campaigns.• Maintain client relationships through follow up with past and present clients through marketing campaigns and events.

Responsible for:• Manage, account, report, and disperse a 1.25 million dollar fund to grants for 501c3’s in compliance with the FCRA guidelines.• Advising non-profit organizations of foundation grant guidelines, coordinating fundraising participation, event planning, and funds disbursements. • Analyze fund for compliance with state and federal regulations.• Analyze, prepare, and present fund reports to the executive board and appropriate regulatory bodies.• Source, craft and edit articles for dissemination for the internal website and local media outlets with a focus on improving employee moral through recognition of achievement • Assisting executives with planning, organization, and execution of critical function business line meetings.• Receive, review and respond to correspondences, emails and inquiries from local nonprofit organizations.• Maintain and coordinate calendar for executive to include travel reservations and itineraries.• Utilize creative problem solving and critical thinking in resolving external and internal conflicts finding equitable mutually beneficial solutions for parties involved.• Create and maintain weekly reports for internal and IRS accounting.• Maintain superior relationships with senior nonprofit executives and develop new professional relationships with nonprofit organizations.• Creation of marketing and advertising campaigns targeted at bolstering the local and state image of the financial institution in the communities served.• Manage, audit, disperse PAC funds to include communications and relationship building with local, state, and federal elected officials and representatives to increase the financial sectors visibility to legislators for critical key issues as they relate to current or pending legislation.

Responsible for:• Develop and utilize networking, referral and company leads to acquire new business.• Use consultative sales skills to identify borrower needs.• Work with customers on the phone and in person through entire credit application and approval process• Use analytical skills to recognize real estate loan opportunities and sell customers real estate loan refinance • Work with processors to ensure state regulatory and lending guidelines are met and followed for compliance.• Ensure all products and cross-sell opportunities have been identified and presented to customers• Meet and exceed monthly and quarterly key sales metrics to include referrals for banking cross-sell opportunities.• Provide superior customer service.• Assist customers with problems through critical thinking and conflict resolution process to provide the best and most reasonable solutions while maintaining or improving the image of the company.• Operate branch office and ensure everything is within company compliance throughout daily operations, key performance metrics.• Provide leadership and training to identify opportunities for improvement to an eight person sales team through strategies utilizing existing marketing materials and refined sales approaches to meet and exceed district, regional, and national sales metrics.• Sourcing, interviewing, hiring, training, mentoring, counseling, and if necessary terminating new hires and existing team members based on monthly and quarterly performance along with adherence to corporate employment directives and government compliance standards.• Responsible for captaincies for targeted market segment growth in which the branches experienced marked growth in the targeted segments during my tenure in each captaincy.• Manage and increase the value of a multi-million dollar loan and credit lending portfolio.

Responsible for:• Preparing organizational and performance reports for senior executives identifying areas of opportunity to improve processes and expenditures to increase available capital for mission essential functions.• Audit, evaluate and submit for senior review payroll and PTO usage, accrual, and time remaining on service contracts of personnel to increase retention metrics. • Improving and servicing equipment and technology platforms for peak performance and utilization during combat operations to ensure optimal conditions for the reduction of risk improving the probability of success and safety of personnel, equipment and assets throughout mission execution.• Advance training of United States Army and foreign national personnel in mission essential skillsets and operational knowledge to maximize readiness, efficiency, and safety throughout operations.• Lead, manage, direct, counsel, and foster improvement of Army personnel to ensure completion of assigned duties with team sizes ranging from four to twenty personnel.• Preform executive assistant functions and duties for the commanding officer to assist him in timely completion of goals and missions by providing clerical and personal support.