Expert Details

Expert in Funeral-Legacy-Retirement Planning

Expert ID: 735826 Florida, USA

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Expert is a Certified Financial Fiduciary which are sworn to uphold the highest moral, ethical and fiduciary standards of service when providing advice to potential or existing clients. He is also Registered Financial Consultant a member of IARFC (International Association Registered Financial Consultants). The IARFC is committed to the overall process of financial consulting and wants the public to understand the value and benefits of engaging a professional. A financial consultant guides the financial process: goal identification, data organization, needs analysis review, problem identification, recommendations, and plan implementation. Financial consultants help their clients to save, spend, invest, insure, and plan wisely for the future. After graduating with a B.S Biology/Chemistry from Tuskegee University he pursued graduate work in Biochemistry at UC Berkeley. Upon entering the financial sector he immediately used his Methodical/Analytical approach toward science to finance. Growing up in the south and having older parents his natural market was Seniors. With that being said "Service" is a way of life.

Highly challenge driven professional offering a wealth of experience delivering results through superb leadership, problem solving and decision-making. Demonstrated strength in recognizing problem areas and implementing viable solutions to improve service and operations. Natural leader with proven ability to lead a team and influence a broad spectrum of constituencies. Decisive, solution-focused and results-orientated.

—Core Competencies—
*18 years in customer service and sales in retail/wholesale, call center, hospitality environments.
*Superior Listening and probing, extremely articulate, clear pleasant speaking voice.
*Great interpersonal skills; ability to remain calm, patient, and productive in a fast-paced high- pressured sales environments, Attention to detail, able to adapt to change very quickly
*Excellent attendance; punctual; timely; and reliable, Perform Exceptional under Mortgage Meltdown
*Excellent reputation with customers as a competent and ethical professional appearance mandated
*Experience with Microsoft Office, including Word, Excel, Power Point, Outlook, Adobe Acrobat

Expert may consult nationally and internationally, and is also local to the following cities: Jacksonville - Crystal River - Daytona - Orlando

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Year Degree Subject Institution
Year: Degree: B.S Subject: Biology/Chemistry Institution: Tuskegee University
Year: Degree: RFC Designation Subject: Institution: International Association of Registered Financial Consultants
Year: Degree: CFF Subject: Institution: National Association of Certified Financial Fiduciaries

Work History

Years Employer Title Department Responsibilities
Years: 2016 to Present Employer: Undisclosed Title: Managing Partner Department: Responsibilities: Oversee the four departments

Prospecting/Marketing/Client Retention
Brokers/Professional Development
Training/Continuing education

Other Tasks are:
•gathering information from clients, assessing their insurance needs and risk profile;
•building and maintaining ongoing relationships with clients including scheduling and attending meetings and understanding the nature of clients'​ businesses or lives;
•foreseeing clients'​ insurance needs, such as policy renewals;
•researching insurance companies'​ policies and negotiating with underwriters to find the most suitable insurance for clients at the best price;
•arranging specialized types of insurance cover in complex cases; this may involve preparing reports for insurance underwriters and surveyors and negotiating with insurers;
•advising clients on risk management and helping to devise new ways to mitigate risks, for example, by adding security measures such as fencing, surveillance cameras or lighting to commercial properties to reduce the likelihood of break-ins;
•renewing or amending existing policies;
•advising clients whether and when they need to make a claim on their policies;
•marketing and acquiring new clients;
•developing relationships with underwriters, surveyors, photographers, structural engineers and other professionals;
•administrative tasks such as dealing with paperwork, correspondence, keeping detailed records;
•winning accounts against competitors;
•keeping up with changes in the insurance market and in the clients' industries;
•collecting insurance premiums and processing accounts
Years: 2010 to 2015 Employer: Rulan Insurance & Investments Title: Registered Financial Consultant Department: Responsibilities: *Sell various types of Insurance Products to Business and Individuals on the behalf of insurance
companies including Life Insurance, Annuities, Long Term Care, Disability, Medicare
Supplements, Calculate Premiums and Establish Payment Methods.
*Interview Prospective Clients to obtain data about their Financial Resources and needs, the
physical condition of the person and to discuss their existening coverage.
*Explain features advantages, disadvantages of various policies to promote sale of insurance
plan, perform administrative tasks such as maintain records, policy renewals.
*Take control of the conversation by asking open ended questions.
*Fiduciary Duty toward clients when claims are made on the policy.
*Ensure that policy requirements are fulfilled, including any necessary medical examinations and
the completion of appropriate forms.
*Seek out new clients and develop clientele by networking.
*Attend Meetings and Seminars must maintain 40 hours of continuing education annually.
*Consistently write between 25-30 policies a month/Contracted with Insurance Companies
Years: 2008 to 2010 Employer: First Commonwealth Mortgage Title: Senior Mortgage Broker Department: Responsibilities: *Assist Clients in the origination process concluding the Securitization Process
*Advising Clients on various financial products and trends based on credit and economic growth
*Evaluate of the 3 C' Credit, Collateral, Capacity to provide the best mortgage through
professional competence, Acts and intermediaries between borrowers and lenders
*Complete the 1003, using Calyx Software, collect all necessary bank statements, pay stubs, 2
year Tax Returns etc, Order Appraisal, Order Title, Address Red Flags, Discuss Legal Clauses,
*Ordering Documents in compliance and regulations of Fannie Mae, Freddie Mac, Ginnae Mae
*Using the appropriate the search engine DU, LP Underwriting Systems to price and lock a loan
*Submit Package to Lender brokered loans through Fifth Third, ING, Wells Fargo, Century,
Provident Funding, Bank of America, Country Wide, MetLife Wholesale Division
*Develop prospects from commercial customers, referrals, realtors, lead sources
*Self Starter processed my own loans; sell my own loans no help from management
*Clean files great relationship with underwriters have prioritize my loans if the end of month is
approaching very important must meet quotas, 3 loans per moth 15k fees approx 400K in
Volume, Attend all closings mandatory to ensure professionalism towards clients
*Participated in the Harp Program established by the Obama Administration with Loan
Modifications, Broker to Perform MSP for the investor determine front/back end ratio
*Diligence toward Escrow buffer to cover the possibility of fluctuations of Taxes/Insurance
* Once issued CTC schedule closing with Lender and Borrower, Clear any funding conditions
Years: 2007 to 2008 Employer: First Residential Mortgage Title: Senior Loan Officer Department: Responsibilities: *Analyze the lending Tree Lead call and covert towards 1003,“Due Diligence towards buy-back
*Order Title through in house Title Company RETS, Order Appraisal through Approved Data
based credit line with Country Wide, Morvision software, Default Management, Quality Control
*Analyze and verify the 1003 to determine Clients creditworthiness, Contact Escrow Admin
*Ability to close loans in 43 states, major player among lending Tree Lenders
*Member on a Team who average between 5-7 Million in Volume per month
*Consistently qualified for Top incentives such as cash or trips
*CPI experience when qualifying home purchases especially first time homebuyer
* Note: Payment Shock, Continuing education involved Litigation, Audits, Compliance
*Clear Stipulations from Underwriter; contact realtors and buyers to secure skittish tendencies
*Once issued CTC schedule closing with Lender and Borrower, Clear any funding conditions
Years: 2002 to 2007 Employer: US Equity Mortgage Title: Broker Trainee/Underwriter/Junior Broker Department: Responsibilities: Daily Tasks including Appointment Setting, Market Surveys, Customer Care, Back office Support, Directory Assistants, Order Taking, Animation Services, Payment Collection, Call on Prospects turn a cold call into a warm call and delivery Hot Transfer to the broker
*Develop Referrals and purchase leads from the collection agency $25 per lead; Approach local banks and ask for turn down business; Attend SBA workshops able to take application on site
*Responsible for 15 hot transfers in a week (Screened by Branch Manger), Encompass Software
*Average 50 hot Transfers a week qualified for extra incentives cash, TV etc
*2 hours daily consistently on the automatic Dialer System, Outbound, Inbound Telemarking
Solutions, Data Processing, Lead Generation, Technical Support, Continuing Ed in compliance
*Had to maintained PositiveAttitude towards change and think outside the box to solve questions
*Had to run projects independently, prioritize within guidelines must adhere to the Do-Not-Call
*Perform Exceptional well and promoted to Broker

Analyze employment profile, credit strength, property characteristics, and all other information pertinent
to the credit decision process on each mortgage application, as presented by the broker
Correspond with mortgage brokers to attain outstanding documentation needed to complete requirements
as stipulated on the commitment.
Prioritize deals in Workflow TM queue in order to minimize turnaround time
Review documentation for compliance with internal and regulatory guidelines

Career Accomplishments

Associations / Societies
Alpha Chi Honor Society/Omega Psi Phi Fraternity Inc./National Dean List/Distinguished Presidential Scholar/ Who's Who Among College Students/Science National Honor Society
Licenses / Certifications
Certified Financial Fiduciary
Registered Financial Consultant
Mortgage Broker License
2-15 Resident Health & Life (Including Annuities & Variable Contracts) Agent License Florida, Georgia, Alabama, Kentucky, Ohio
Professional Appointments
IARFC (International Association Registered Financial Consultants)
NAPA(National Association of Professional Agents)
NAIFA (National Association of Insurance and Financial Advisers)
NACFF (National Association Certified Financial Fiduciaries)
NAAIA (National African American Insurance Association)

Additional Experience

Training / Seminars
Strategic Educational Partnerships within Senior Medical Professionals, Health Fairs, Assistant Living Centers, Churches, Funeral Homes
Other Relevant Experience
Oversee the four departments

Prospecting/Marketing/Client Retention
Brokers/Professional Development
Training/Continuing education

Fields of Expertise

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