To Whom It May Concern:

My name is Ryan Silver. My family has been involved in owning, running and operating restaurants, bars, real estate companies and title insurance companies for three generations. My entire life I’ve been raised in a business environment which has taught me many important things throughout the years.

From the ages of ten to twenty one, I worked in my family’s restaurants and bars, working in the front of the house and back of the house. After graduating culinary school, I cooked on the line for Avenue B in Philadelphia for over one year. Then I worked for P.F. Changs in Marlton, NJ, as a cook for almost a year. I then went back to college and received my associate degree in business management. At the age of twenty-four I managed over ten people, while I helped take a local title insurance company to a regional, then from a regional to a national by using positive reinforcement, team building and knowledge of the various departments. By incorporating these three skill sets, I originated the policies and procedures for numerous departments and created the managerial policies and procedures for the various departments, which increased productivity and team unity. In addition to working for American Income Life I was also a real estate and business development consultant for a real estate development company in Philadelphia by assisting them in developing policies and procedures as well as identifying distressed and non distressed residential and commercial real estate to acquire using strict investment criteria. I negotiated the sales price as well as entering into agreement of sales.

Due to my eclectic background in management, business, creating policies and procedures, an incredible understanding of the four aspects of how a real estate transaction works and restaurant background, I know that I can add value to any company.

Please feel free to contact me by email or by phone if you have any questions or need further information.

Thank you for your time,

Ryan L. Silver

Ryan L. Silver

Employment Object

I have over 15 years of management experience in the real estate and title insurance industry. I helped grow a regional title company into a national one by implementing and originating policies and procedures for mangers as well as workers in different departments. I’ve worked with various types of people, clients and customers all with different objectives, goals, styles, wants and needs. I’m able to meet and exceed clients’ expectations. I’m a quick learner, respectful, hardworking and can adapt quickly to personalities and working environments. I’m looking for a company to grow with and challenge me. Experience

American Income Life Insurance Company, Edison NJ Sept 2016 - Present Day License Life Producer in PA & NJ

• Produces life insurance benefits that help protect family’s legacy’s, incomes, mortgages, family’s and estates.

• Estate planning and financial planning.

Wells Fargo Home Mortgage, Princeton, NJ Oct 2015 - Feb/2016 PMB Mortgage Banker/Loan Office

• Worked with high net worth individuals on obtaining financing for primary and/or secondary homes by following and implementing specific mortgage guidelines, as well as RESPA.

• Facilitated meetings between some of the largest real estate developers in Philadelphia, Pennsylvania and the Wells Fargo Wealth Advisors regarding financing for their developments as well as starting banking and/or investment relationships. Kite and Key Realty LLC, Philadelphia, PA Dec/2014 – Oct/2015 Accounting/Consulting

• Responsible for maintaining accounting records for eleven entities.

• Assists in identifying and acquiring differently zoned real estate properties and developmental oversight of various real estate projects.

Orens Bros., Real Estate, Inc., Philadelphia, PA Dec/2013 – March/2015 Pennsylvania Real Estate Salesman

• Practiced real estate in the state of Pennsylvania, complying with the Real Estate Laws of the State of Pennsylvania and RESPA.

• Worked with real estate investors on finding rental properties and or rehabilitation properties to fix up then sell.

• Located properties that fit a certain investment criteria that yield a good rate of return for investor clients and or properties that will appreciate in value over the years. iAbstract & Title Agency LLC, Haddon Heights, NJ April/2012 – July/2013 Examiner/Processor

• Oversaw the title insurance process from start to finish for purchases, refinances, short sales, 1031 exchanges and foreclosure/reo real estate transactions. Philadelphia National Abstract LLC, Home Cash Financial LLC, Home Cash Mortgage LLC, Home Cash Insurance LLC and Home Cash Real Estate LLC Cherry Hill NJ 08034 Oct/2008 – Jan/2012

Manager

• Worked closely with real estate investors, various entities, real estate agents, REO/ foreclosure attorneys, mortgage companies, hard money lenders and governmental agencies on a daily basis, by issuing owners and or lenders title insurance policies in the states of Pennsylvania and New Jersey for real estate transactions.

• Practiced real estate in the state of Pennsylvania as a licensed real estate salesman dealing with primary and investment properties in the Temple and South Philadelphia Areas.

• Analyzed personal financial statements of investors for hard money lenders.

• Solidified business relationships with prospects and clients by exhibiting excellent knowledge of the real estate, lending and title insurance industries, providing outstanding customer service, communication skills, and good return rates for real estate investors.

• Oversaw the entire title process from start to finish for insuring owners and lenders title insurance policies for purchases and or refinances in Pennsylvania and New Jersey.

• Informed clients with up to date information pertaining to the status of transaction regarding what was needed so the deal could close. Education

Mitchell College, New London, CT Aug/2002 – May/2004 Graduation

• Associates Degree in Business Management.

• Graduated with a 3.36 GPA on a 4.0 scale.

• Provided support for over 100 first time college students as a Resident Assistant. Atlantic Cape Community College, Mays Landing, NJ Sept/1999- May/2001

• Culinary Arts Degree.

• Graduated with a 2.4 GPA on a 4.0 scale.

Skills

• Leadership, Team Building, Positive Reinforcement, Customer Service, Customer Relationship Management, Marketing Strategies, Operations Management, Public Relations, Originating and Implementing Policies and Procedures, Proficiency Skills and Systems, Negotiating and Sales.

Licenses, Extracurricular and Interests

• Licensed Real Estate Agent in PA & Licensed Life Producer in PA & NJ.

• Captained Varsity Lacrosse in college for sophomore year. Certified first degree black belt in Tae Kwan Do & have been playing guitar for over 20 years.

• Cooking, MMA, music, almost all sports, snowboarding, reading, hiking, yoga, working out, running and being environmentally conscious.

References Can Be Supplied Upon Request