Top-level strategic decision-maker, supporting executive team in driving profitability and direction of firm; advancing qualified real estate opportunities; defining and closing lucrative new business opportunities; and building internal and external team consensus.

Energetic, collaborative, honest. Known for cleaning up problems, identifying operational gaps, creating and implementing processes, policies and procedures, analyzing assets, markets and trends to maximize ROI, and developing industry talent. Broad experience in all aspects of residential real estate from rehabilitation, to sales, to origination, to servicing, to default.

Diverse Real Estate and Mortgage professional experienced with acquisition, sales, marketing, origination, processing, funding, closing, title review, property preservation, title review, collections, loss mitigation, bankruptcy, foreclosure, eviction, REO, FHA, FNMA, VA, land contracts, sub-prime, Alt-A, credit analysis, underwriting, QC, compliance, regulatory agencies, risk assessment, and technology platforms.

Pivotal Strengths – Portfolio Due Diligence and Management, Asset Management, Budgeting and Planning, Market Analysis and Valuations, Credit Analysis, Process Development, Vendor Management, Sales and Marketing, Revenue Generation, Loss Mitigation, Default Resolution, Team Development.

Keen listener and communicator who considers all vantage points, translates complex processes into easily understood, actionable bites, and puts all stakeholders at ease. Expert at translating business objectives throughout all levels and departments of the organization.

Career Milestones

Created Asset Management Company from conception to fruition including all process, staff, and clients. Built the organization to 19 clients managing 12,000 assets in 2 years.

Developed process for analyzing mortgage portfolios of distressed assets to determine most profitable resolution and worst case scenario cost structure increasing Loss Mitigation revenue by 132% and increasing efficiencies to create more production from fewer FTEs.

Created process and logic for automated underwriting system to evaluate buyer’s credit worthiness and financial stability for origination of new loans and land contract on REO assets. Reduced portfolio default rate by 12%.

Created online auction platform to increase the sale of low value assets to local investor networks. Increased REO sales by 43% and decreased overall carrying costs by liquidating blighted assets.

Real Estate and Mortgage Experience

VP of Operations June 2014 - Present

ClearSpring Loan Services, Inc.

Specialty mortgage servicing company that provides the highest level of customer service to our clients, dedicated to high-touch servicing through a combination of process efficiency, innovative technology, and employee expertise.

Operational oversight of the entire default process including Collections, Loss Mitigation, Bankruptcy, Foreclosure. Identified process gaps and developed and implemented policies and procedures to increase revenue, efficiencies and results. Responsible for compliance to state and federal regulators including CFPB and FDCPA. Developed team from admin assistants to VP level employees. Reported directly to CEO and President.

Subsidiary President March 2009 – June 2014

Halo Companies, Inc.

Halo Companies, Inc. is a nationwide distressed asset services company, providing technology-driven asset management, portfolio analytics, acquisition, repositioning and liquidation strategies for the private investment and mortgage servicing industry.

President Halo Asset Management:

Played a pivotal role in development of asset management company from conception to fruition. Developed all processes and procedures to manage distressed assets from delinquency to default to REO liquidation. Developed technology including proprietary CRM, property management and online auction site. Vetted and managed vendors to company standards. Hired, trained and retained exceptional talent.

President Halo Portfolio Advisors:

Worked directly with Investor Clients that included hedge funds, non-profit organizations, LLCs, family organizations and mid-sized banks, on their residential real estate portfolios. Assisted with acquisition due diligence, predictive default modeling, credit analysis and underwriting for owner financed and land contract disposition, and liquidation of pooled assets. Pivotal player in the acquisition of ClearSpring Loan Services, Inc.

Portfolio Retention Manager July 2008 – March 2009

Hudson Advisors / Lone Star Funds / Caliber Home Loans

Caliber Home Loans, Inc. is a full-service national mortgage lender and agency direct seller/servicer. Caliber originates loans through various channels and transaction types, including a network of retail branches, wholesale and correspondent lending, and a consumer-direct centralized operation specializing in a variety of loan programs for purchase and refinance such as conforming, jumbo, and government products.

Managed team of Originators, Processors, and Underwriters to create new loans for retention of wholly owned asset portfolio. Specialized in FHA, FNMA, and Jumbo loans during credit restrictive environment. Maintained company standards of quality for efficiencies and results.

Portfolio Retention Manager June 2006 – July 2008

Bear Stearns Residential Mortgage

Managed team of Originators, Processors, and Underwriters to create new loans for retention of EMC serviced portfolio. Pivotal player in assistance of platform obtaining FHA Double Eagle certification. Transitioned team through acquisition by JP Morgan Chase and eventual sale to Hudson Advisors.

Over 20 years of experience including Branch Manager for Wells Fargo Bank, N.A. and Alpha Mortgage, President of Raebor Enterprises, a residential real estate investment group, Realtor for Coldwell Banker

Education Texas A&M University, College Station, TX

Tarrant County College, Fort Worth, TX

Certifications Six Sigma Champion Certified (SSCC)

Six Sigma Lean Black Belt Professional (In Progress)

Fun Fact Co-Hosted a Mortgage Show on ABC radio network

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