Tia C. Email and Phone Number

**Professional Background**I have a diverse background as a business consultant and senior commercial underwriter. Now work in financial services as an investment advisor representative (IAR). During COVID-19, I helped a client transform a self-service laundry business into a top-performing venture by integrating additional services like a nail salon and dry cleaning. This transformation elevated the business into a contemporary platform for efficient living, The comprehensive business model and marketing strategy elevated the business to one of the top three in its locality for revenue and reputation.I specialize in mergers and acquisitions, serving as an aggregation franchise evaluator. I meticulously evaluate transactions to ensure their value and potential for good returns, helping clients understand the financial aspects and make informed decisions.Previously, I served as a senior commercial underwriter at various banks, where I analyzed, structured, and prepared credit recommendations for new and complex credit transactions. I designed appropriate covenants, identified financial covenant violations and policy exceptions, and performed detailed financial projections, stress tests, and break-even analyses.As a portfolio manager, I oversaw existing loan portfolios for renewals and reviews. I evaluated policy exceptions to assess their potential impact on debt payments and business operations, ensuring that any negative or positive trends were identified. I handled a wide range of complex commercial loans, providing comprehensive financial analysis and risk management. Additionally, I have extensive experience in mortgage underwriting.I’m an experienced and knowledgeable financial consultant. As a financial advisor, I am passionate about using my knowledge and experience to help people learn how to manage their personal finances and build wealth; help business enhance their competitiveness and keep their key people. My dedication to this mission drives me to work intensively and unconditionally support my clients. Many people are unaware that financial advice is not just for the wealthy;