Stephen Mullett

Dallas TX Cell 972-***-****

Email: ad0rfs@r.postjobfree.com

Results-driven finance professional with expertise in project management, asset management, acquisition, and estate development .Proven track record of success in leading teams and project planning and driving revenue growth. Strong proficiency in data analysis, strategic planning, and significant knowledge in development on both the consumer and commercial sides. Excellent communication and teamwork skills with high degree of professionalism. Able to leverage market knowledge and industry trends to deliver exceptional results. Key Skills and Experience

Relationship building and financial acumen with a bias towards real estate development.

Experience across breadth of finance industry.

Breadth: Project budgets, credit Risk, portfolio development, financial planning,

Presentation skills, conflict management and results orientation.

Site acquisition, and underwriting, contract negotiations, construction buildout and draws. Professional Experience detail

Professional Experience detail

Dickeys ( DBRI Capital ) 1/2021 - 4/2023

Senior Director of Finance and Development

Facilitated the development of $55 million in new commercial SBA loan build-out and construction projects.

Owned the P&L, managing all financial modeling and budget needs, supporting strategic business decisions.

Collaborate with functional managers to identify dependencies and financial opportunities that drive growth and margin improvements throughout the departments.

Conduct in-depth analysis into market-level variable costs, pricing, promotional activities, and other growth levers.

Oversaw end-to-end real estate development processes, ensuring alignment with architects through construction.

Negotiated lease agreements, legal documentation, and service contracts for some 500 diverse properties.

Underwrite, analyze, and close loans, providing expertise in structuring and assessing commercial loan requests in collaboration with construction with draw requests.

Oversee the workload of a team and ensure high-quality work output, conducting performance assessments, providing mentorship, and fostering talent development.

Negotiated AIA contracts with contractors and coordinated with architects to meet all construction requirements.

Create financial models and conduct due diligence and return on investment (ROI) analysis to support new product launches, business initiatives, and other investments.

Spearheaded teams to ensure municipal and regulatory compliance for construction standards.

Travel throughout US to ensure operational efficiency and compliance construction standards and compliance. Coldwell Banker, Apex, 2017 to present

Commercial and Residential Realtor®

Conducted comprehensive real estate transactions, including tenant representation, owner representation, property management, property development (conceptual plan, pre plat, final plat), and construction financing for commercial investment, land, and retail development.

Land acquisition and development generated acquisition opportunities through a network of industry contacts including major landowners, brokers, equity partners, engineers, title agency.

Ensured smooth financial operations by maintaining strong relationships with brokers and third-party vendors, negotiating favorable terms.

Pacrim LLC, County Place Homes (CPHOMES) 2017 - 2020 Vice President of Finance

Worked with ancillary companies within Pacrim for all C&I and CRE needs, negotiated, executed financing for EB5 capital by integrating within capital stack, aligning with lenders for funding of greater than 50MM.

Fiscal and regulatory compliance with outstanding debt within land development projects associated with, multifamily homes and commercial properties.

Analyzed market demographics for build out of subdivisions, senior care, memory care, apartments, and other ancillary business. Due diligence, valuation modeling, and integration planning for all M&A planning.

Executed lease renewals/extensions, restructurings, closures, relocations, terminations and negotiated land purchases.

Network Funding

Senior Acquisition Manager. 2011 - 2017

Led and managed an asset management team, successfully executing business plans for a diversified portfolio.

Prepared and delivered effective presentations to lenders, rating agencies, and Private Equity sponsors, highlighting financial strategies and performance.

Prepare comprehensive credit approval packages and present recommendations to credit teams and senior management for complex commercial loan approvals.

Managed short- and long-term liquidity requirements to ensure financial stability and compliance with regulations.

Conducted thorough market demographic analyses for strategic build-outs and investments.

Develop and implement the bank's commercial lending strategy, aligning it with the overall business strategy to optimize profitability.

Collaborated with Corporate Development team to identify strategic new site developments and acquisitions. Regions Bank, Dallas TX 2007-2011

VP Business Banking

Responsible for business development and loan origination within the commercial market.

Over 7 locations within the Dallas market. Extended credit approved loans, wire approvals, ACH, commercial/retail collections and assigned limits. Entertain corporate decision makers to further business development.

Within 2nd quarter closed 2.4 million in new business. Highest deposit growth within the Business Banking Department. Trained branch managers regarding business sales, compliance issues and guidelines for business loans. Capital One, Woodlands TX 2006-2007

VP Business Banking

Managed relationships with Capital One Branch Managers and present bank clientele, optimizing cross-selling opportunities for all bank products.

Secured $3 million in new loans and $1 million in deposits through effective management of relationships and cross- selling strategies.

Citibank 1997-2006

Senior Financial Analyst/Branch Manager

Streamlined financial reporting processes, ensuring accurate and timely submission of critical financial documentation essential for informed capital market transactions.

Orchestrated transformative initiatives that revitalized several branches, achieving a swift return to profitability and securing a positive ROI.

Education and Licenses

BBA - Economics, Sam Houston State University * National Mortgage License (NMLS) # 298094

BBA - International Business, Sam Houston State University * Texas Real Estate Commission (TREC) # _ 0711774 Commercial and Residential

External Speaking and Papers -

Article used in expert witness in front of United State Senate Judiciary Committee on banking regulations and limits put on rural institutions. Exploring the opportunities with moving EB5 funds out of large regional centers and back into direct centers for its intended purpose “The Distortion of EB5 Targeted Employment Areas: Time to End the Abuse”

(2016).

Contact this candidate