ROGER D. CRAM

**** ******** ****.

Brandon, SD **005

Tel: 605-***-****

Email: acel43@r.postjobfree.com

WORK HISTORY

Sep 2008 President/Co Owner

to Amerigroup Financial

Present Sioux Falls, SD / Phoenix, AZ

We provide specialty Estate and Insurance Planning, Corporate Benefits Consulting and Retirement

Planning to meet the long term financial goals of our clients.

Sep 2008 Licensed Agent

to Real Estate Brokers International

Present Chandler, AZ

Providing real estate investments to investors in North & Central America and Mexico.

Licensed Agent

Jun 2003

to Home One Real Estate

Sep 2008 Chandler, AZ

Real Estate Sales

Jan 2003 Licensed Agent

to Model Home Sales

Jun 2003 Chandler, AZ

I sold new homes throughout the Phoenix area utilizing exclusive relationships with the major builders in

the area.

Oct 1999 Licensed Agent

to KB Home

Jun 2003 Phoenix, AZ

I represented KB Home's "Homebuyer's Club" working with buyers who needed additional help through

the buying process at KB Home. In 2002 I closed more home purchases than anyone else in Arizona for

KB Home.

President/Owner

Mar 1994

to Ameribanc Mortgage Corporation

Oct 1999 Mesa, AZ

I was the founder and mortgage broker for Ameribanc Mortgage. We funded $70 million of loans

annually. I served as a board member of the AZ Association of Mortgage Brokers from 1996 2000 and

have served as the Chapter President and Vice President. I was awarded “Manager of the Year” in 1997

and in 1999 was awarded the prestigious “Mortgage Broker of the Year” by my peers.

Mar 1993 Loan Officer

to Adobe Financial

Mar 1994 Mesa, AZ

I originated residential, lot and construction loans in the state of Arizona.

Loan Officer

Mar 1992

to Metropolitan Financial

Mar 1993 Phoenix, AZ

I originated residential, lot and construction loans in the state of Arizona.

Mar 1990 Loan Officer

to Colonial Mortgage & Investment

Mar 1992 Phoenix, AZ

I originated residential, lot and construction loans in the state of Arizona.

Account Rep

Jul 1989

to Goldome Mortgage

Mar 1990 Phoenix, AZ

I was a wholesale account rep for the second mortgage division of Goldome Bank in New York. I worked

with mortgage brokers in CA, AZ, NM & CO assisting them with any difficulties from underwriting

through the funding process.

Mar 1988 Credit Manager

to Norwest Financial

Jul 1989 Phoenix, AZ

I originated consumer loans, mortgage loans, set up consumer financing & charge accounts for retail

stores and collected slow paying accounts.

Mar 1978 Co Owner

to Cram Bros.

Dec 1984 Waterville, MN

I, along with my two brothers farmed 2,300 acres of corn & soybeans and also hauled peas & sweet

corn for Green Giant.

EDUCATION

Minnesota State University

Dec 1984

to Mankato, MN

Dec 1987 Finance / Insurance & Real Estate

Sep 1982 Mankato Vo Tech

to Mankato, MN

May 1983 Agriculture

Faribault Vo Tech

Sep 1981

to Faribault, MN

May 1982 Agriculture

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