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<br />1999 - 2001 <br /> <br />1983 - 1999 <br /> <br />1977 - 1983 <br /> <br />-- <br /> <br />National Association of Counties (NACo) accounts receivable management program <br />partnership). <br /> <br />President, Financial RecovelY Inc. (FRl) (mId in 2001) <br /> <br />Led an accounts receivable management company targeting state and local governments. <br />Successfully bid for various RFP's resulting in approximately $50 million worth of accounts <br />(e.g., student loans, court collections, child supp011, emergency medical services, hospital, <br />taxes, fines and fees, parking tickets, tolls, etc). Collections efforts produced an average <br />recovery rate of between 18% and 20%, well above the national average as reported by the <br />American Collectors Association. <br /> <br />Overall responsibility for client~ for satisfactory performance of all tasks. Set all corporate <br />policies and procedures. Responsible for project planning, estimating project costs, negotiat- <br />ing contracts with major corporate clients, scheduling project deadlines and milestones, and <br />ensuring that projects were completed on time and at a profit. Accountable for full profit and <br />loss, including new business development, marketing, sales, cash flow analysis, cost <br />accounting, and purchasing. Recruit, hire, supervise, and evaluate management and supp0l1 <br />staff. <br /> <br />Established a strategic alliance with Locldleed Martin IIVfS (a Fortune 500 company) and the <br />National Association of Countics- Financial Services Center to jointly provide debt collection <br />services to municipal governments in the Southeast. <br /> <br />Developed a vital network of business and industry contacts instrumental to the rapid growth <br />of the company. <br /> <br />Created and implemented a progressive operations manual that significantly improved <br />operating efficiency and, ultimately, profitability. <br /> <br />President, Homesafe Mortgage Compan)' (sold in 1999) <br />Founded mortgage banking firm and managed it through 14 years of successful and profitable <br />growth. Responsible for the growth and day-to-day operations of Homesafe and accumulated <br />substant,ial experience in servicing, collections, and management of m0l1gage portfolios. The <br />organization originated, underwrote, and serviced more than 10,000 loans totaling over $500 <br />million, including conventional, residential, commercial, and non-conforming mortgages. <br />Awarded a contract by the Florida Housing Finance Agency (FHFA) to underwrite and service <br />affordable housing mortgage loans. Established a joint venture with a Section 8 woman-owned <br />firm to service commercial mortgage loans for the RTC. Also supervised collection efforts on past <br />due loans and managed and disposed of any resulting REDs. <br /> <br />Audit Manager, Deloitte and Touche, LLP <br />Supervised audits of commercial banks and savings and loan associations clients. Assignments <br />included reviewing real estate and credit underwriting criteria established by the institutions as <br />well as sampling to test for compliance with their established policies. Audited construction loans <br />to review and determine if the servicing of such loans was in compliance with the institution's <br />policies and procedures. Made site visits to perform due diligence of various financed projects. <br />Directly involved with initial public offerings and the preparation of Sol, 10-K, and 10-Q reports <br />for clients. <br /> <br />B.B.A., Accounting, University of Miami <br />AA, Accounting, Miami Dade Junior College <br /> <br />Licenses <br /> <br />Certified Public Accountant <br />Mortgage Broker <br /> <br />Page 2 <br /> <br />r~qD-- <br />