Human Resources Real Estate

Mack E. Loflin Direct Dial: 561-***-****

*** ******** ***** **** *****: 561-***-****

West Palm Beach, FL 33413 e-mail: **********@*********.***

EDUCATION Loyola University of Chicago Chicago, IL

M.B.A. – Finance

Louisiana State University Baton Rouge, LA

B. Sc. – Accounting. & Public Administration

Graduate School of Banking University of Wisconsin

Advanced Computer Systems Analysis Washington University

MS-Office (Word, Excel, Power Point, Access), QuickBooks Pro, Yardi, Great Plains

SAP, Oracle, Peachtree and other proprietary ERP Systems

Payroll Systems: ADP, Oasis, and PayChex

Licensed Real Estate Sales Associate and Mortgage Loan Originator (NMLS Certified)

Licensed Community Association Manager

Chief Executive Officer, Chief Operations Officer, Financial Officer,

Chief Compliance Officer, Human Resources Director

ACCOUNTING, FINANCE, TREASURY AND COMPLIANCE/ AUDIT EXPERIENCE – Human Resources Leadership / Regulatory Experience

Experienced “Compliance Specialist” with MBA and three years experience in the State Comptroller’s office, responsible for regulatory compliance reviews, fiscal examinations and investigations. 10 years of progressive experience in investment banking, commercial banking, and thrift financial institutions and 3 years as a State Regulator in the Department of Banking and Finance for the Florida Comptroller, attests to my broad background in the financial services industry.

Responsible for all lending and licensing compliance including RESPA, HMDA, TILA, FCRA and SAFE Act. Led audit review of statistical sampling of all files for compliance with all Fannie Mae, Freddie Mac, FHA and Ginny Mae guidelines Developed training programs including Policy and Procedure Manuals.

Highly skilled Full- Charge Accountant. Broad industry experience with good job stability and progressive career path. Full cycle, hands-on accounting experience including creation of financial statements, investment and treasury function, property and inventory accounting. Typical activities include:

• Compile and analyze financial information to prepare entries to accounts, such as general ledger accounts, documenting business transactions.

• Distribute expenditures, encumbrances, receipts, and receivables according to schedules.

• Perform statistical analyses to determine trends, estimates, and significant changes, and write narrative reports explaining findings.

• Analyze financial information detailing assets, liabilities, and capital, and prepare balance sheet, profit and loss statement, and other reports to summarize and interpret current and projected company financial position

• Audit contracts, orders, and vouchers, and prepare reports to substantiate individual transactions prior to settlement.

• Determine proper handling of financial transactions and approve transactions within designated limits.

• Review, investigate, and correct errors and inconsistencies in financial entries, documents, and reports.

• Install, modify documents, and coordinate implementation of accounting systems and accounting control procedures.

• Conduct studies and submit recommendations for improving the organization's accounting operation.

• Assure compliance with GAAP, SOX and applicable industry regulations

Extensive audit experience. Strong emphasis on payroll analysis, budgeting and forecasting as well as pro-forma modeling. Experienced in Human Resource Management and multi-line Insurance Management , as well.

CHRONILOGICAL WORK HISTORY

11/2008 to Present JTW Management Inc. (Property Management CAM Firm)

Jerry Grant Realty

Mortgage Works Unlimited, Inc.

JTW, Inc. / Spencer Trask & Company

Business Planning Institute, LLC / vFinance, Inc.

Property Management, Real Estate Sales, Mortgage Loan Origination, Venture Capital and Financial Consulting

Currently working temporary, part-time with five companies in specialty arrears of community association management, real estate sales, mortgage origination and venture capital work-out projects. Have held an active Florida Real Estate Sales Associate License for many years and a Mortgage Broker’s license, as well. I’ve recently qualified for the new Florida Loan Originator (NMLS) License. My real estate license is currently associated with Jerry Grant Realty and the new Florida Loan Originator license is currently associated with Mortgage Works Unlimited, Inc. My Community Association Manager License is associated with JTW Management, Inc. a property management CAM firm. In addition, I consult with JTW, Inc. in partnership with Spencer Trask & Company on projects dealing with Tax Lien acquisition and servicing and venture capital enterprise solutions including work-outs, DIP financing, asset recovery and bankruptcy reorganization. In association with the Business Planning Institute and vFinance, I work with entrepreneurial companies to secure venture capital, non-traditional financing, facilitate mergers and acquisitions, and create marketing strategies and strategic business plans

7/2003 – 10/2008 Wachovia Mortgage Corporation Palm Beach, FL

Washington Mutual Bank

Summit Capital Lending and WestStar Mortgage

Mortgage Consultant, Chief Financial Officer, Compliance Office and Human Resources Director

Residential mortgage originator in Northern Palm Beach County, Florida. Originate first mortgage loans trough the Wachovia Bank Branch network and from sphere of influence in the Realtor and Builder network. Primarily originate “A” paper first lien mortgages and some sub-prime and second mortgages through lending partners.

Served as Chief Financial Officer and Chief Compliance Officer of Florida Licensed Mortgage Lender. Created comprehensive accounting system, including monthly financial reports, budgets and cash flow forecast. Worked to support independent CPA Annual Audit. Managed the licensing and compliance program for originations in all 50 states. Responsible for all lending and licensing compliance including RESPA, HMDA, TILA, FCRA and SAFE Act. Led audit review of statistical sampling of all files for compliance with all Fannie Mae, Freddie Mac, FHA and Ginnie Mae guidelines Developed training programs including Policy and Procedure Manuals.

Created CFO and Human Resources Department in young correspondent lending company. Developed policies and procedures to control expenses and generate financial statements. Led compliance program to expand licensing from 15 states to nation wide HUD operations and implemented continuous quality control systems. Negotiated mortgage Warehouse LOC to expand operations and profitability. Initiated personnel program including new “Fortune 500” benefits plan, comprehensive Employee Manual, including new hire forms and outsourced to PEO.

1/ 2000 to 7/2003 ABS Capital Markets, Inc.

Chief Financial Officer, Accounting Director

Managed Comptrollership functions including General Ledger, Accounts Payable and Accounts Receivable, Payroll and Bank Reconciliation. Worked to secure First & Second Rounds, Mezzanine, Private Placements and IPOs with venture capital firms in NEWCO ventures. New product development, market research, business planning, competitive and strategic e-commerce initiatives, consensus building, partnering, strategic alliance & joint venturing. Internet (B2B, B2G) focus on middle market brick to click enterprise. Conducted business valuations facilitated mergers and acquisitions.

2/2000 to11/2009 University of Phoenix

University of Maryland, University College

Adjunct Online Instructor and Adjunct Faculty

Concurrent with my other employment , for 7 years, I have taught Accounting (Basic and Intermediate), Business Finance, Accounting Information Systems (IT) and related courses. This experience involved more than 60 classes with an average enrollment of 10 to 20 students per class. Prior to these two institutions, I taught evening classes as an Adjunct Faculty member at Rockford College in Rockford, Il for several years in the Accounting and Finance Department.

Mack E. Loflin Direct Dial: 561-***-****

874 Ryanwood Drive Cell Phone: 561-***-****

West Palm Beach, FL 33413 e-mail: **********@*********.***

EDUCATION Loyola University of Chicago Chicago, IL

M.B.A. – Finance

Louisiana State University Baton Rouge, LA

B. Sc. – Accounting. & Public Administration

Graduate School of Banking University of Wisconsin

Advanced Computer Systems Analysis Washington University

MS-Office (Word, Excel, Power Point, Access), QuickBooks Pro, Yardi, Great Plains

SAP, Oracle, Peachtree and other proprietary ERP Systems

Payroll Systems: ADP, Oasis, and PayChex

Licensed Real Estate Sales Associate and Mortgage Loan Originator (NMLS Certified)

Licensed Community Association Manager

Chief Executive Officer, Chief Operations Officer, Financial Officer,

Chief Compliance Officer, Human Resources Director

ACCOUNTING, FINANCE, TREASURY AND COMPLIANCE/ AUDIT EXPERIENCE – Human Resources Leadership / Regulatory Experience

Experienced “Compliance Specialist” with MBA and three years experience in the State Comptroller’s office, responsible for regulatory compliance reviews, fiscal examinations and investigations. 10 years of progressive experience in investment banking, commercial banking, and thrift financial institutions and 3 years as a State Regulator in the Department of Banking and Finance for the Florida Comptroller, attests to my broad background in the financial services industry.

Responsible for all lending and licensing compliance including RESPA, HMDA, TILA, FCRA and SAFE Act. Led audit review of statistical sampling of all files for compliance with all Fannie Mae, Freddie Mac, FHA and Ginny Mae guidelines Developed training programs including Policy and Procedure Manuals.

Highly skilled Full- Charge Accountant. Broad industry experience with good job stability and progressive career path. Full cycle, hands-on accounting experience including creation of financial statements, investment and treasury function, property and inventory accounting. Typical activities include:

• Compile and analyze financial information to prepare entries to accounts, such as general ledger accounts, documenting business transactions.

• Distribute expenditures, encumbrances, receipts, and receivables according to schedules.

• Perform statistical analyses to determine trends, estimates, and significant changes, and write narrative reports explaining findings.

• Analyze financial information detailing assets, liabilities, and capital, and prepare balance sheet, profit and loss statement, and other reports to summarize and interpret current and projected company financial position

• Audit contracts, orders, and vouchers, and prepare reports to substantiate individual transactions prior to settlement.

• Determine proper handling of financial transactions and approve transactions within designated limits.

• Review, investigate, and correct errors and inconsistencies in financial entries, documents, and reports.

• Install, modify documents, and coordinate implementation of accounting systems and accounting control procedures.

• Conduct studies and submit recommendations for improving the organization's accounting operation.

• Assure compliance with GAAP, SOX and applicable industry regulations

Extensive audit experience. Strong emphasis on payroll analysis, budgeting and forecasting as well as pro-forma modeling. Experienced in Human Resource Management and multi-line Insurance Management , as well.

CHRONILOGICAL WORK HISTORY

11/2008 to Present JTW Management Inc. (Property Management CAM Firm)

Jerry Grant Realty

Mortgage Works Unlimited, Inc.

JTW, Inc. / Spencer Trask & Company

Business Planning Institute, LLC / vFinance, Inc.

Property Management, Real Estate Sales, Mortgage Loan Origination, Venture Capital and Financial Consulting

Currently working temporary, part-time with five companies in specialty arrears of community association management, real estate sales, mortgage origination and venture capital work-out projects. Have held an active Florida Real Estate Sales Associate License for many years and a Mortgage Broker’s license, as well. I’ve recently qualified for the new Florida Loan Originator (NMLS) License. My real estate license is currently associated with Jerry Grant Realty and the new Florida Loan Originator license is currently associated with Mortgage Works Unlimited, Inc. My Community Association Manager License is associated with JTW Management, Inc. a property management CAM firm. In addition, I consult with JTW, Inc. in partnership with Spencer Trask & Company on projects dealing with Tax Lien acquisition and servicing and venture capital enterprise solutions including work-outs, DIP financing, asset recovery and bankruptcy reorganization. In association with the Business Planning Institute and vFinance, I work with entrepreneurial companies to secure venture capital, non-traditional financing, facilitate mergers and acquisitions, and create marketing strategies and strategic business plans

7/2003 – 10/2008 Wachovia Mortgage Corporation Palm Beach, FL

Washington Mutual Bank

Summit Capital Lending and WestStar Mortgage

Mortgage Consultant, Chief Financial Officer, Compliance Office and Human Resources Director

Residential mortgage originator in Northern Palm Beach County, Florida. Originate first mortgage loans trough the Wachovia Bank Branch network and from sphere of influence in the Realtor and Builder network. Primarily originate “A” paper first lien mortgages and some sub-prime and second mortgages through lending partners.

Served as Chief Financial Officer and Chief Compliance Officer of Florida Licensed Mortgage Lender. Created comprehensive accounting system, including monthly financial reports, budgets and cash flow forecast. Worked to support independent CPA Annual Audit. Managed the licensing and compliance program for originations in all 50 states. Responsible for all lending and licensing compliance including RESPA, HMDA, TILA, FCRA and SAFE Act. Led audit review of statistical sampling of all files for compliance with all Fannie Mae, Freddie Mac, FHA and Ginnie Mae guidelines Developed training programs including Policy and Procedure Manuals.

Created CFO and Human Resources Department in young correspondent lending company. Developed policies and procedures to control expenses and generate financial statements. Led compliance program to expand licensing from 15 states to nation wide HUD operations and implemented continuous quality control systems. Negotiated mortgage Warehouse LOC to expand operations and profitability. Initiated personnel program including new “Fortune 500” benefits plan, comprehensive Employee Manual, including new hire forms and outsourced to PEO.

1/ 2000 to 7/2003 ABS Capital Markets, Inc.

Chief Financial Officer, Accounting Director

Managed Comptrollership functions including General Ledger, Accounts Payable and Accounts Receivable, Payroll and Bank Reconciliation. Worked to secure First & Second Rounds, Mezzanine, Private Placements and IPOs with venture capital firms in NEWCO ventures. New product development, market research, business planning, competitive and strategic e-commerce initiatives, consensus building, partnering, strategic alliance & joint venturing. Internet (B2B, B2G) focus on middle market brick to click enterprise. Conducted business valuations facilitated mergers and acquisitions.

2/2000 to11/2009 University of Phoenix

University of Maryland, University College

Adjunct Online Instructor and Adjunct Faculty

Concurrent with my other employment , for 7 years, I have taught Accounting (Basic and Intermediate), Business Finance, Accounting Information Systems (IT) and related courses. This experience involved more than 60 classes with an average enrollment of 10 to 20 students per class. Prior to these two institutions, I taught evening classes as an Adjunct Faculty member at Rockford College in Rockford, Il for several years in the Accounting and Finance Department.

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