Robert Wilson, MBA

**** ******* ***** ******, ** 30080 Cell 678-***-****

e-mail: adu3rb@r.postjobfree.com

SUMMARY OF QUALIFICATIONS

Senior executive and financial consultant with a record of success in corporate banking, retail banking, hard money lending/commercial lending, and extensive sales management-level experience. Strengths include results orientation with the ability to think strategically and execute tactically. Develops and executes strategies and initiatives aligned with growth and profitability plans. Recognized as a strong people and thought leader. Areas of expertise include: Structuring and underwriting of investment grade and non-investment grade loans; evaluation, structuring, due diligence for commercial real estate loans; program execution, legal/regulatory compliance, and project management for the development and sale of investment properties in the Atlanta MSA. Excellent leadership, coaching and interpersonal skills as well as superior problem solving and communication skills. MBA in accounting and credit trained at Citicorp Institute of Global Finance

EXPERIENCE

Founder and Principle Consultant – Santee Capital, LLC 2016 - Present

Founder and owner of financial and advisory/consulting firm. Primary responsibilities include solving, providing and structuring financial solutions for Real Estate Investors who focus on investment properties and commercial real estate. Services rendered include:

Sourcing and developing successful relationships with target client base

Providing financing solutions for real estate investors and commercial real estate investors and buyers

Provide guidance and consulting in the structuring of financial vehicles for the acquisition of investment properties and commercial real estate.

Evaluating and performing due diligence of new construction, transitional, stabilized/non-stabilized, commercial bridge loans, and permanent commercial loans. Evaluating the viability and credit worthiness of the Sponsor, business plan, and property.

Real Estate Investor of Rehabbed Properties 2016 - 2020

Partnering with several investors to identify, develop/rehab, and resale investment properties in the Atlanta MSA. I am a principal in each of the investment vehicles and am also the point person for the investment group and execute on the following activities on the groups behalf as project manager:

Identifying target opportunities in Atlanta by working with wholesalers, and my realtor partners who bring opportunities to me for consideration.

Performing due diligence on the properties

Once a property has been selected for acquisition, negotiating with sellers, responsible for hiring and negotiating with subcontractors, developing line item budget, securing permits as applicable, securing site survey, developing floor/design plans with architect, executing build-out of project in partnership with subcontractors, staging and final resale of property.

Also served as marketing manager for several properties that were retained as short-term rental properties (i.e. AirBNB, VRBO, etc.). Responsibilities included, managing property locations, setting pricing, staging, etc.

Owner-President of Money Mailer of Intown Atlanta – Franchise Owner 2012-2015

A direct marketing company focused on helping clients reach their target markets in a cost effective manner via:

Shared and Solo Direct Mail.

Smart Phone Applications; Mobile Texting; Email Communications; Online Systems

Reward Programs and Loyalty Programs

Design services and Mailing List

Wells Fargo Home Mortgage, Atlanta, Ga. 2003 -2012

Diverse Segments Group

Divisional Diverse Segment, Vice President

Selected to join this group to manage, lead, mentor, support, and empower a team of Regional Diverse Segment Managers (“RDSM’s) to capture and grow purchase units/volume for this consumer segment. The bank defines this segment as African American, Hispanic/Latino, Asian, Immigrants, Low to Middle Income households and First Time Home buyers. Duties and responsibilities included:

Partnered with sales management teams to provide overall strategic direction through annual analysis and high-level priority planning/resource allocation.

Partnered with Regional Managers to build regional business plans, through local market assessments and translation of market tactics into the development of specific field-based activities.

Partnered with Regional Diverse Segment Managers to identify and coordinate required resources for effective plan execution, including recommendations for business plan changes and shared divisional best practices.

Managed the day-to-day activities and monitored progress on business plan execution and special projects of field based RDSMs .

Provided leadership direction for RDSMs through effective work/management routines, performance feedback, professional development, offsite planning, and execution meetings.

Developed and executed cross functional strategic and tactical plans with peer program managers (i.e. Builder, Bank Partners, etc) to drive production for this customer base

Partnered with RDSMs on the outreach and execution of business development opportunities with referral partners (i.e. realtors, builders, and trade associations) for this segment

Worked closely with RDSM’s to identify community based non-profit organizations (i.e. churches, community organizations, community investments entities) whose mandate is to support growth in homeownership for Low to Middle Income, Minority, and First Time Home Buyer, households. Once these groups were identified they were awarded funding to support their housing activities through WFHM’s Housing Foundation investment vehicle.

Partnered with Bank’s CRA, Correspondent Banking and Whole-sale banking teams to develop strategic plans and tactical activities to drive CRA loan production to meet the banks CRA goals and objectives.

WACHOVIA SECURITIES, Atlanta, GA 2001 - 2003

Corporate and Investment Banking

Senior Credit Product Specialist/Portfolio Manager

Selected to join this group as a Credit Product Specialist to originate, analyze, underwrite, and execute credit based solutions for core corporate finance clients. Responsible for evaluating complex bank credit transactions and lead due diligence teams through the structuring, pricing and negotiation of transactions with clients. Collaborate with client managers on the origination of bank credit opportunities, provide accurate credit assessments to the deal team and maintain transaction readiness with the bank’s core client base. Duties and responsibilities on a day-to-day basis included:

Evaluated, underwrote, and recommend overall bank credit and operating exposure.

Collaborated with Client Managers and Risk Management on origination of bank credit opportunities; recommend or reject credit opportunities based on due diligence/underwriting.

Managed the sales and execution process for bank credit products.

Structured, priced, negotiated, and documented credit terms with client.

Facilitated distribution strategies with syndication group, and derivative specialist.

Trained, coached and mentored Analysts and Associates.

Oversaw preparation and/or legal review of detailed credit transaction and documentation.

FIRST UNION BUSINESS CREDIT/CONGRESS FINANCIAL, Atlanta, GA 1999-2001

Asset Based Lending

Vice-President – Structuring/Underwriting

Selected to join this group as Vice President for structuring of Asset Based revolver and term loan facilities and structuring of unsecured term debt. Responsibilities included evaluating First Union and Congress Financial prospects for potential deal flow/financing opportunities. Developed viable proposal letters/term sheets and loan structures to address related risk and financing needs of prospective clients.

Prepared and issued proposal letters and term sheets.

Reviewed loan documentation and developed covenants to address risk associated with prospective borrowers.

Prepared loan approval package to be presented to credit committee. Approval package includes documenting/writing approval memorandum, evaluating management, evaluating quality of earnings issues, industry overview, competitive position, evaluation of collateral, etc.

BANK OF AMERICA, Charlotte, NC 1996-1999

Leverage Finance Portfolio Management

Vice President – Portfolio Manager

Selected to join this group as Portfolio Manager for non-investment grade leveraged transactions. Responsibilities included evaluating risk profile and underwriting of new transactions and serving as Relationship Manager for existing portfolio companies.

Participated in the structuring of credit facilities in conjunction with legal advisors and leveraged structuring unit.

Led marketing effort for the marketing of various non-bank products to portfolio companies (i.e., M&A, Liability Management, Treasury Management, FX products, Stock Repurchase Products, etc.).

Led and participated in due diligence of prospective clients.

CITIBANK/CITICORP, New York, NY 1994-1996

Global finance – Consumer Products Industry

Assistant Vice President – Risk Analyst

Selected to join this group as the risk analyst for the Consumer Products Industry. Responsibilities included providing risk evaluation for a $5.0 billion portfolio of investment grade clients.

Evaluated prospective customers and managed the existing portfolio for credit worthiness and risk migration. Developed and implemented proprietary models used to assist in making both lending and stay/leave decisions.

Organized, researched and prepared offering memoranda and presentations to market corporate finance products.

Spearheaded development of peer analysis model for Consumer Products industry group. The model was utilized by bankers as a marketing tool to advise clients in evaluating their capital structure and financing needs.

Structured Finance/Asset Based Lending Group

Credit Officer 1989-1994

Evaluated highly leveraged, non-investment grade companies as part of a team of bankers, engineers and CPAs with the objective of providing asset based working capital facilities.

Performed valuation of prospective merger and acquisition targets utilizing discounted cash flow analysis, market multiples and in-house software methodologies.

Prepared business and asset valuations that were used to structure working capital facilities and tailor loan covenants to reduce credit and business risk. Customer base included textile, chemical, fabrication and restaurant and food service industries.

ARTHUR ANDERSEN & COMPANY, Roseland, NJ 1985-1989

Senior Accountant

Managed certified audits for both private and publicly held companies.

Obtained broad financing, Accounting, Reporting, and systems experience in the Publishing, Food Retail and Manufacturing Industries.

EDUCATION

Passed State of Georgia Mortgage License Exam – 6/2016, NMLS#1471872, License expired 8/2017

MBA, Accounting, Rutgers University, 1985

Passed Certified Public Accountant Exam, New Jersey, 1991

Citicorp Institute for Global Finance, completed 5-month credit training program, 1994

BS. Business Management, Saint Paul’s College, 1981

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