Versatile executive with MBA and extensive experience in Prime and Non-Prime wholesale mortgage lending and financial industries. Expertise in underwriting, credit, collections, product development, loan warehousing, and funding operations. Record of recruiting, developing, and motivating teams to excel. Resourceful problem solver. Outstanding interpersonal and communication skills. Analytical, organized, dependable and conscientious.

COMPANY	POSITION HELD	DATES WORKED
Evergreen Lending, Inc.	(Confidential)	9/2001 - 8/2007

SCHOOL	MAJOR	YEAR	DEGREE
National University	Finance	1990	Master Degree
University of Mn	Economics	1984	Bachelor Degree

Highlights:

Developed highly effective risk management strategies, protecting $60M portfolio for thrift client. Losses for key client were increasing due to volatile loan/funding market. Utilized contacts with Wall Street firms and Fortune 500 companies to facilitate secondary marketing of performing and non-performing loans. Managed REO and mitigated losses. Established innovative policies to manage loan portfolio, mitigating client’s losses to less than 1%.Devised successful operational strategies, minimizing effects of market deterioration on Evergreen Lending. Focus on sub-prime loans resulted in numerous business failures in the mortgage lending industry. Created new promotions that involved same-day underwriting decisions and expansion of company’s transactions to include multi-state opportunities. Reduced firm’s dependency on popular sub-prime options, enabling company to achieve “zero loan buy-backs status.” Launched new loan offerings, growing Pinnfund’s warehouse capacity from $5M to $200M. Charged with developing loan offerings to increase market share. Presented newly created credit scoring products to internal management and external managing boards. Implemented and managed new products, increasing number/value of loans and reducing “aging” of warehouse lines. Introduced new “scoring” products that quickly increased to 50% of total product offerings. Increased loan captures and regional market share. Overhauled financial reporting/business processes, dramatically improving audit results. Company wanted to improve quality of reports and documentation of transactions. Introduced checklists for staff and established a system of “mentor-pupil checking” to encourage team effort in tasks reporting accuracy. Improved firm’s audit performance, receiving exemplary report.Established new performance benchmark for Evergreen Lending, surpassing corporate sales goals by over 100%. Charged with management of overall business practices including loan production, processing, registration, compliance, closing and secondary functions. Took control of all warehouse credit lines. Directed all operations and sales support strategies. Enhanced business practices, significantly improving productivity and sales.Developed and managed marketing strategy, dramatically improving market prominence for Evergreen Lending. Company wanted to increase prominence in region and generate more business. Planned and implemented a marketing strategy to raise firm’s brand awareness in region. Created new advertising rate sheets. Developed/modified underwriting guidelines and designed flyers. Strengthened company profile in multi-state/regional market place. Expanded company from CA only to 12 other states.

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Overhauled financial reporting/business processes, dramatically improving audit results