Insurance Executive

Thomas F. (Tucker) McNulty

**** ************ ******

Towson, MD 21286

M: 410-***-****

***************@*****.***

linkedin.com/in/thomas-f-tucker-mcnulty-6242937

Professional Summary

Strategic business development and finance executive with 30 years of experience in commercial lending, fintech, insurance, and economic development. Proven leadership in originating complex lending structures, managing diverse remote teams, and driving regional and national growth through public-private partnerships and client-centric strategies. Focused on Group Benefits Life & Health, and Medicare. Principal- Brixton Health Group, Inc, Towson MD 2/25-Present

● My role in Group Benefits Life/Health, and Medicare is a high-energy mix of sales strategy, relationship building, and technical knowledge of the insurance market.

● Identify and prospect mid-to-large-sized companies that need to revamp their employee value proposition.

● Building a book of business through networking, cold calling, referrals, and community involvement.

● Secure introductions to Human Resources Officers, CFOs, Benefit Directors, and Brokers.

● Manage the full sales cycle—from cold outreach and networking to final contract negotiations.

● Conduct employee meetings, prepare proposals, negotiate with carriers. create benefit guides, oversee the implementation of new plans, and manage the renewal process.

● Collaborate with account managers and underwriters on proposal feasibility.

● Ensuring client compliance with regulations (e.g., ERISA, ACA, 5500 filings) and advising on plan design, such as self-funded or fully insured options.

● Examine existing benefit packages (health, dental, retirement, wellness) and help to identify gaps where your strategy can provide better value for the customer.

● Walking individual clients through the medical underwriting process and explaining complex clauses (like riders for terminal illness or accidental death).

● Matching clients with the right products—such as Term Life, Whole Life, or Universal Life based on their budget and long-term goals.

● Educate clients and prospects on Medicare Advantage, Medigap and Prescription Drug Plans.

● Perform needs analysis to understand health status, medications, preferred doctors, and budgets.

● Explain in detail what each plan covers, plan benefits, restrictions, plan limitations, and costs.

● Detailed comparisons on different insurance carriers, outlining the pros and cons of each plan.

● Education clients on enrollment periods, manage inquiries, claims, and billing issues.

● Generate tailored solutions for clients based on needs, health requirements, and financial situation. Benefit Manager- MWE Partnership, Millersville, MD 5/24-12/24

● Provide expert advice on insurance products and financial services.

● Assist clients in selecting appropriate insurance plans based on their individual needs.

● Conduct thorough analysis to recommend suitable coverage options.

● Communicate effectively with clients to explain complex insurance concepts.

● Collaborate with team members to deliver exceptional customer service.

● Utilize sales administration tools to process applications and maintain accurate records.

● Engage in sales and marketing activities to reach out to potential clients.

● I interact internally with HR Representatives, functional leaders and staff to respond to employee questions, resolve problems, and effectively communicate an understanding of the organization’s benefits and policies.

● Consult with external benefit vendors and consultants on planning design, administration, and service needs.

● Follow policies and procedures and assist with developing and administering process improvements to ensure effective departmental efficiency and compliance with federal, state, and local laws related to health and welfare benefits and Leave of Absence. Financial Representative-Northwestern Mutual, Ellicott City, MD 10/23-10/24

● Build a client base by growing relationships through a personal network of contacts and COIs.

● Develop a strong working knowledge of NM financial products and market trends.

● Utilization of software, reporting tools and illustrations to educate clients on potential plans.

● Review and maintain client financial plans, continuing to provide optimum advice and planning. Vice President- Business Development Director-Mid South- Lendistry, Brea, CA 12/2020-9/2022

● Executive leader for a minority owned, CDFI, FinTech which provides SaaS, infrastructure, and platform as a service for white labeling, and direct to business sales nationwide.

● Management of commercial lending programs: CRE, Equipment, Lines of Credit and ABL

● Ensure overall soundness of internal loan portfolio, with the ability to identify and develop long term strategies that will include initiatives such as portfolio mix, growth initiatives, and go to market strategies.

● Spearhead the business efforts for assigned region with the focus on developing new partnerships with bankers, CPAs, lawyers, loan consultants, loan brokers, and other centers of influence.

● Manage in-person and virtual workforce of twenty employees across thirteen states including South America with various functions in different time zones.

● Lead people to create high engagement and high-performance culture through continuous feedback, KPI and coaching.

Vice President- Chesapeake Bank of Maryland, Baltimore, MD 4/2019-3/2020

● Originate, structure, service and manage loans, lines of credit, and asset-based lending.

● Close new business and develop negotiating strategies by coordinating prospects, goals and requirements with banks objectives and procedures.

● Develop, coordinate, and implement sales strategies that identify and produce new business.

● Effective utilization of CRM to increase sales, improve sales forecasting.

● Cross-sell other products and services based on need. Vice President- CFG Bank, Baltimore, MD 4/2018- 4/2019

● Managed and monitored a $100MM commercial loan portfolio with primary emphasis on ensuring regulatory compliance and maintaining credit quality.

● Actively prospect new commercial relationships with minimum annual revenues of $5MM to

$100MM.

● Industry focus includes C&I, Real Estate, Professional Services and HealthCare.

● Perform all lending functions including business development, credit analysis, and underwriting.

● Increase and acquire deposit/cash management products from existing clients and prospects.

● Served as the Community Reinvestment Act (CRA) Officer for the bank. Finance Manager Harford County Office of Economic Development, Bel Air, MD 1/2008-4/2018

● Senior County government liaison to corporate executives and decision-makers; coordinate other federal and state agencies, financing sources, local agencies, and associations; set standards and policies for negotiating complex and sensitive requirements for small, minority, non-profit and large businesses and industries; manage all complex development projects in the County; manage the County’s financing programs and incentives; manage staff in the areas of finance, capital formation, entrepreneurship, small business, entrepreneurial technology companies, and commercialization efforts through the Harford Business Innovation Center (HBIC).

● Director the Economic Development Opportunity Fund (EDOF) designed to fill the financing gap between private debt financing and private equity. Financial assistance to start up small, mid-size and expanding companies including manufacturing, technology, public health, and aerospace. Commercialization support and technical assistance, fostering successful business ventures, mentoring, technical assistance, marketing and sales assistance, business development, and product development.

● Manager Workforce Technical Training Grant Program (WFTTG)

● Administrator of Aberdeen/Havre de Grace; Edgewood/ Joppa Enterprise Zones.

● Manager Foreign Trade Zone (FTZ).

● Manager New Market Tax Credit Manager (NMTC).

Business Development Director Maryland Department of Commerce, Baltimore, MD 2006-2008

● Accountable for identifying, cultivating, and soliciting Heavy Industry, Life Science, Nanotech, Engineering, and Construction Firms, to successfully implement the state’s strategic economic development plans for the Greater Baltimore Region.

● Served as a key state business advocate in the Greater Baltimore region for BRAC and military- related enterprises. Managed financing, real estate selection, tax incentives, and workforce training. Interfaced with local and state elected officials, regional economic directors, community leaders, and State and Federal agencies.

● Engaged with corporate executives, industry leaders and BRAC officials highlighting Maryland’s economic and geographic advantages. Coordinated site location assistance for new and expanding businesses with real estate developers and consultants with complex reports based on location requirements.

Loan Officer Provident Bank, Baltimore, MD 2003-2006

● Generated and increased market share of high-quality lending products through innovative third- party partnerships, existing customers, realtor relationships, and external sources, ensuring high service levels.

● Generated and managed portfolios of commercial, small business, entrepreneurial, consumer and marine relationships. Consistently maintained 100% or better-established production goals through effective use of sales and marketing applications. Trained loan officers, realtors, attorneys, builders, branches, and the public on mortgage programs through seminars. Actively participated and networked in local small business and entrepreneurial professional organizations. Investment Officer Mercantile ~Safe Deposit & Trust Company, Baltimore, MD 1995-2002

● Private wealth management issuing highly customized and sophisticated investment-management and financial-planning services delivered to high-net-worth investors.

● Investment management of trust, estate, investment management (IM), and individual retirement accounts. Selected and allocated a broad array of investment products including estate planning vehicles, business-succession or stock-option planning, and the use of hedging derivatives for large blocks of stock to best achieve client and portfolio objectives. EDUCATION/ LICENCES/ CERTIFICATIONS

Elon University, Elon, NC May 1994 Bachelor of Arts: Economics and Political Science University of London, London, England May 1992 International Studies 2026 AHIP Certification, completion of required training on Medicare (FWA) Maryland Insurance Producer- Life and Health License Number #300-***-**** California Insurance Producer- Life License Number #4314715 Arizona Insurance Producer- Life License Number #20770010 Northwestern Mutual Deferred Fixed Annuities and Income Annuities Certificate Paul J Winn California Annuity Training Certificate Texas Annuity Suitability and Best Interest Standard Certificate Aflac Associate AQ5V0

Contact this candidate