Professional Experience
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Current
President & CEO
InvestCORE Company
Dba CORE Realty
Commercial/Residential Brokerage
Property Management & Consulting
- Specialized in Commercial & Residential Real Estate, management and lending with 15 years banking experience and strong understanding of debt service, review of tax returns, debt coverage, loan to value, CAP rate, cash flow and loan packaging which is a crucial and a huge part of the process
- Assisting clients with property management, sales and development while providing economic and market advice
- Understands the basic credit ratios, cash flows and debt service coverage.
- Work directly throughout all stages of loans; real estate purchase, refinancing, construction loan, SBA loan (504 and 7A), business acquisition, buy-out, equipment loan and lease and oversee its process from origination to funding.
- Conducted portfolio management initiatives and problem loan management activities while Identifying problem accounts through the annual review and early warning process.
- Proactively seeks business through referrals from existing client relationships and external networking opportunities. Combine consultative sales approach and financial expertise to create value-added solutions for clients.
- Performed property inspection requirements for assigned loans and ensure compliance with applicable Federal and state regulations and bank policies.
- Supported strategic goals through teamwork and flexibility, and performed other related duties as assigned.
- Develop business partnership with escrow companies, mortgage lenders, home inspectors, and other Brokerage agencies to expand business opportunities.
Feb 2013 -
Dec 2013
Westbound Bank
VP - Senior Loan Officer
Commercial Lending
- Actively acquires and manages a portfolio of new and existing affluent clients with $5MM- $30MM in liquidity and investment assets and provide financial solutions to include deposit, loan, mortgage, and other banking products and services.
- Conducted portfolio management initiatives and problem loan management activities while Identifying problem accounts through the annual review and early warning process.
- Performed collections and delinquency management procedures in accordance to global credit policy and procedure by analyzing borrower's character, management capacity, available capital and external conditions.
- Prepared cash flow and valuation analyses of permanent loans secured by investment properties and make recommendation and risk ratings for reviewed loans.
- Performed property inspection requirements for assigned loans and ensure compliance with applicable Federal and state regulations and bank policies.
- Supported strategic goals through teamwork and flexibility, and performed other related duties as assigned.
May 2010 – Jan 2013
Bank of America
VP- Business Banking/Team Lead
- Responsible for managing sales team, origination and production and work directly throughout all stages of commercial and residential loans; real estate purchase, refinancing, construction loan, SBA loan (504 and 7A), business acquisition, buy-out, equipment loan and lease and oversee its process from origination to funding
- A working knowledge of personal and business financial statements to include tax returns and maintain sales results and continuing education coursework to keep licenses/certifications in good standing. Maintain working knowledge of in-market competitors (products, pricing, etc.)
- Consistently refines financial skills and knowledge to remain current with the expanding complexities of the retail and small business financial industry
- Proactively seeks business through referrals from existing client relationships and external networking opportunities. Combine consultative sales approach and financial expertise to create value-added solutions for clients.
October 2007- 2010
Adriatico Investment Group, LLC
Commercial & Residential Mortgage Broker
- Founded business and led a team of high-performance loan officers and managed and trained a Loan Processor. Over saw the marketing, originations, underwriting, processing, and closing of loans. Secure and obtain funding from approved lenders to financed both commercial and residential properties. Generated leads from multiple sources including business & personal referrals, cold calling, and inbound inquiries. Matched products with client needs based on assessment credit worthiness. Helped clients refinance loans, consolidate debts, and complete home purchases. Ran credit checks and advised prospective customers on ways to improve their credit rating
- Realized 80% closing rate with loans originated; generated $20 million in annual origination. Played a role in loan officers' originating in excess of $15 million in residential and commercial loans from 2007 to 2009, which included single family homes, multifamily apartments, office buildings, retail/strip centers, industrial buildings, mixed use, and SBA 504 owner-user properties.
- Brokered commercial loans of up to $5 million, the majority of which had special issues that required additional financial and credit analysis.
August 2006- Oct 2007
Wachovia Bank
Vice President/Team Lead
Private Banking Relationship Manager
- Part of 5-member team supporting and managing over 50 accounts of highnet worth individuals and supported Senior Advisor on multiple aspects of account management, including answering client inquiries, examining portfolios, making recommendations, and acting as primary contact for numerous individuals with net worth exceeding $20M
- Team achieved 99% client retention rate, highest in organization
- Maintained client database, working closely with team to relationshipmanage customers and maximize referrals and sales opportunities achieving 99% client retention rate, highest in organization
- Supports team members by providing information and education specific to the Private and Mortgage Banking Program. Delivers and proactively seeks feedback for improving personal performance. Develop effective partnerships with Wealth Management., Small Business and Business/Commercial Bankers.
Oct 2003- August 2006
Compass Bank
VP- Business Banking
- Perform profiling and do financial analysis to businesses with annual revenue of $15million and under for proper evaluation and recommendation of right account relationship and refer to partners of the bank for additional product aim to increase product relationship.
- Understands the override process of loan packages, term, rate and time frame of loan applications through visual review of tax returns and full financial package
- Quickly recognize “red flags” or trends on review of business and personal tax returns and financial statements to get appropriate answers to underwriter before application is submitted.
- Understands the basic credit ratios, cash flows and debt service coverage.
- Work directly throughout all stages of loans; real estate purchase, refinancing, construction loan, SBA loan (504 and 7A), business acquisition, buy-out, equipment loan and lease and oversee its process from origination to funding
- Mentoring/Providing training and assistance to all the branches assigned from Branch Managers, Business Banking Specialist, Personal Banking Officers, Financial Sales Representatives and Tellers regarding bank products to increase account relationship to existing clients and new prospects.
June 2001 – Oct. 2003
Wells Fargo Bank & Co
Business Banking Specialist
- Task to open new account, sell different products and assess long-ranged business potential of the customer’s project, financial stability and operation.
- Develop strategies and approach for product presentation to improve branch revenues and profitability.
- Work directly throughout all stages of loans and oversee the entire process.