Specializing in small businesses and more challenging commercial accounts with a small insurance agency, and financial planning as an independent.
Negotiated with underwriters to obtain favorable terms for clients. One of the first small, insurance agencies in St. Louis to automate.
10 years in banking, both residential and commercial, non-conforming lending.
-
One-man mortgage department, responsible for all marketing, solicitation, origination, processing and closing. Concentration on more difficult or unusual situations and clients. Finding creative ways to assist clients in buying homes, or getting cash out of homes to solve financial crises or invest in their business.
Researched lenders with applicable programs. Interacted with underwriters, title companies, realtors and appraisers to bring about desired result in a timely manner.
Co-owner of a car wash construction and servicing company.
As partner, participated in soliciting clients and development of car washes for clients.
As service department manager, oversaw construction of facilities, as well as servicing and repairs to client’s existing sites.
Helped to solicit new clients, and interacted with suppliers and tradesmen.
Vice president of a company that operates gas stations and convenience stores.
-
Built, from “white box”, new convenience store with full delicatessen.
-
Re-opened abandoned gas station/c-store.
Responsible for plans, permits, licenses, utilities, sourcing vendors, contractors and equipment.
Interfaced with architect, planning & zoning, various permitting agencies, suppliers and tradesmen.
-
Responsible for overseeing marketing, accounting and payroll.
Created business plans for various new enterprises.
Experience in planning and executing various marketing programs, including direct-mail, broadcast fax/email, cold-calling, referral solicitation.
Installer for a small telephone company.
Groundskeeper for a nursing home.
BA from the University of Missouri-Columbia.