Dec 2011 – Feb 2019 · 7 yrs 2 mos

• Serves as liaison between Wealth and Investment Management (WIM), Wells Fargo Affluent Lending Group (WFALG), Community Bank and Wealth Management credit teams to facilitate the offering of bank products to WFA brokerage clients.
• Eliminated $5MM in incremental annual payroll expense by solving for a large spike in maturities of liquid secured lines of credit leveraging the TRIAD strategy tool and data collected from Experian and several internal systems.
• Appointed to lead discussions with top executives in Community Bank to determine the proper bank channel for WFALG and resolve compliance and risk questions.
• Saved LOB $1.2MM through design and implementation of innovative solution to offer consumer platform credit product to business owners that did not require technology investment.
• Developed referral and sales dashboard for Wells Fargo Affluent Lending Group that is used for internal performance monitoring, Team Member coaching and external reporting to business partners
• Partnered with WIM Cross-Sell team to define and implement new process for governance of referral arrangements across lines of business.
• Resolved late in development “no go’ situation allowing on-time delivery of enterprise technology implementation through deployment of an emergency solution, developed in under three weeks, for record retention requirements.
• Defined and Implemented processes for WM Loan Ops to deliver closing documents to clients through Secure Document Delivery and properly deliver Reg. B notices to non-individual borrowers.
• Defined new role for Wells Fargo Affluent Lending Group (WFVC) and worked with business partners to foster cultural change allowing a reactive sales organization to transform into a proactive advisory group offering both lending and deposit products.

Jan 2009 – Mar 2010 · 1 yr 2 mos

• Providing advisory services on acquisition, integration, process improvement and implementation projects to companies in the banking, mortgage and real estate marketing industries.

Apr 2007 – Aug 2008 · 1 yr 4 mos

• Recruited by company to build their mortgage operations from ground up.
• Directed business development activities resulting in negotiation of seven joint venture agreements and eight marketing arrangements with corporate relocation companies in addition to the opening of five retail branch offices.
• Recruited, hired and managed teams to design and implement technology solutions and processes to support end to end fulfillment capabilities through in-house and outsourced operations.
• Recruited and developed sales management team to maximize production capabilities through relationships with relocation companies and retail branches.
• Architected multi-lender correspondent lending platform to provide broad choice to customers to supplement portfolio capabilities of the bank.

Sep 2005 – Mar 2007 · 1 yr 6 mos

• Recruited by former Bank of America associate to join consulting practice providing advisory services to the real estate and homebuilder industries on best practices and the optimization of performance within mortgage operations in partnership with financial services firms. Primarily focused on the top 100 real estate firms in the country.
• Consulted with clients to develop their optimal real estate partnership strategy through evaluation of market opportunity, development of partnership program strategy and structure and recommendations to the company regarding the overall opportunity based on corporate culture and key objectives.
• Performed diagnostic operational reviews and optimization of existing joint venture partnerships and in-house mortgage operations to assess strengths, weaknesses, and opportunities.
• Assisted clients in the development of new mortgage partnerships including partner identification and evaluation; deal negotiation and structuring; project management; and partnership setup and oversight.
• Advised clients on strategic initiatives to increase pull-through of Internet generated leads, adoption of best practices to increase sales agent performance and satisfaction, and identification of strategic market opportunities.
• Strategic business reviews of companies --- strategic planning, business diagnostic reviews, benchmarking, competitive positioning, financial reviews, personnel evaluation, customer retention strategies, market and competitive intelligence.

Jan 2003 – Sep 2005 · 2 yrs 8 mos

• Led team that built Homeownership Services Division's mortgage Affiliated Business Arrangement (ABA) platform. These partnerships produced in excess of $10B in purchase money loan production the first year.
• Managed the project teams that developed the fulfillment platform and requisite changes to legacy technology systems to support the bank's entry into the ABA business arena.
• Defined and managed performance metrics.
• Identified and communicated industry best practices and compliance to internal and external partners.
• Effectively reduced first mortgage post-closing error rate from 40% to less than 3% and recovered in excess of $180MM in misdirected funds by rebuilding and improving management oversight of teams in FL and CA (200+ Associates).

Jan 2002 – Jan 2002 · 0 mo

• Providing advisory services to Charlotte based start-up companies in the areas of securing seed money/angel funding and identifying the right individuals to invite to participate on their advisory board.

Jan 1997 – Jan 2001 · 4 yrs

• A franchise organization providing rentable computer training facilities as an outsourcing solution to corporations. Charlotte franchise achieved profitability in fourth month of operation and revenues exceeded $750,000 in first year. Revenue grew to $20MM plus in 2000 with expansion to ten franchise and eight company owned facilities.
• Responsible for all aspects of management including:
• Initial and on-going business and marketing plans; Negotiation of financing with banks; Site selection and negotiation of real estate and equipment leases; Negotiation of tenant improvement process from raw space to completion; Design and implementation of LAN/WAN to support facilities;
• Introduction of new concept to potential clients as part of marketing plans; National expansion of the business, sales activities and customer resource management; Constant interaction with franchisees to foster strategic change and growth; Negotiation of sales contracts with major software suppliers and corporate users including SAP, Oracle, Cisco, Global Knowledge; Management of construction activities in company owned and franchise locations; Management of technical support staff in field offices.
• In December 2000, sold business for profit in excess of fifteen times investment and stayed with firm through most of 2001 during transition to new ownership.

Jan 1996 – Jan 1997 · 1 yr

• A pioneer in the mortgage industry focused on the securitization of mortgage loans.
• Participated on design and analysis team for web portal that would allow users to access real estate information and mortgage loan pre-approvals in multiple markets nationwide.
• Performed due diligence, developed business plans, pro forma projections and marketing plans for acquisition and integration of acquired companies.
• Project management for coordination of reporting and information flow among executives of newly acquired business entities.
• Determination of best practices within various business units including training and implementation across the enterprise.
• Evaluation and implementation of new software applications for the core business of mortgage loan production.

Jan 1991 – Jan 1995 · 4 yrs

• Start-up team to build a mortgage-banking subsidiary of Engle Homes, Inc., a multi-state developer of residential properties.
• Developed marketing and sales programs for origination of loans.
• Established and maintained relationships with more than forty secondary market outlets for loans as well as building a servicing portfolio of loans sold to FNMA.
• Designed and implemented the loan origination, processing, closing and post-closing procedures.
• Member of Credit Committee for underwriting of difficult loans and establishing daily pricing.
• Managed six loan production and four processing/closing/post-closing personnel.
• Generated in excess of $100 Million in purchase money first mortgages the first year.

Jan 1987 – Jan 1991 · 4 yrs

• Residential lending division of a start-up savings bank originally opened as Palm Plaza Savings and ultimately acquired by Ohio Savings with the name change to AmTrust in 1989.
• Designed and implemented loan origination and processing procedures.
• Developed a construction lending program that became one of the major competitors in the South Florida market.
• Identified developers for lending opportunities, prepared their loan requests and presented to loan committee.
• Negotiated construction draw schedules with builders.
• Managed construction progress inspections and draw requests.
• Implemented and managed CRA compliance/lending activities.

Jan 1982 – Jan 1986 · 4 yrs

• Developed the management and control systems and due diligence programs for syndication and securities sales involving the acquisition and financing of commercial real estate and research and development projects.
• Performed due diligence and financial modeling on investment products prior to offering.
• Ensured that offerings and sales activities were in compliance with securities regulations.
• Managed staff of twenty plus sales people and seven support personnel.
• Capital raised exceeded $40 Million per year.