Experience

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  Magellan Federal

  • Greenville, SC

  • Personal Financial Counselor

    • Aug 2023 - Present
    • Greenville, SC

• 

  Zeiders Enterprises, Inc.

  • Greenville, South Carolina Area

  • Personal Financial Advisor

    • Dec 2018 - Present
    • Greenville, South Carolina Area

• 

  ZEIDERS ENTERPRISES INC

  • Greenville, South Carolina Area

  • Personal Financial Counselor

    • Dec 2018 - Present
    • Greenville, South Carolina Area

    As a CFP, I am tasked with providing financial advise and clarity to active and reserve Army, Navy, Marine and National Guard soldiers within the Greenville South Carolina area.

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  Self Employed

  • Greenville, South Carolina Area

  • Independent Consultant

    • Apr 2017 - Present
    • Greenville, South Carolina Area

• 

  TD Bank

  • Greenville, SC

  • Assistant Vice President - Senior Underwriter Small Business Management

    • Apr 2013 - Feb 2017
    • Greenville, SC

    Conducted credit investigation and analyzed financial information pertaining to Small Business relationships with commercial credit exposure up to Small Business lending authority limits. Underwrote Small Business loans and performed historical business financial analysis and cash flows, including communicating with borrower’s accountant to gain a better understanding of the company’s accounting practices performing in-depth analysis of a guarantor’s financial position through a thorough investigation of personal financial statements, understanding any contingent liabilities, constructing a global cash flow analysis, thorough investigation of personal tax returns and credit reporting documentation. Identified small business credit applications that required credit enhancements and made recommendations. Mentored and assisted junior underwriters.

• 

  Southern Community Bank and Trust

  • Greensboro, NC

  • Commercial Portfolio Manager

    • Aug 2011 - Mar 2013
    • Greensboro, NC

    Managed & promoted the maintenance & servicing of loan portfolios in adherence with all applicable credit policies, compliance requirements, & service standards pertaining to the Bank. Delivered objective risk management support to regional Credit Teams & Commercial Relationship Managers to systematically address growth factors specific to the Bank’s commercial relationships.

• 

  Capital Partners Group

  • Loan Review Project Manager

    • Sep 2010 - Aug 2011

    Provided independent credit risk, collateral, & documentation analyses for commercial and consumer loan portfolios to clearly showcase credit conditions. Advised and showed senior staff on how to understand loan portfolio underwriting standards & risks. Responsible for conducting research & providing recommendations for identifying problematic credits, high-risk lending practices, & credit concentrations—to mitigate any unwarranted loan portfolio exposures.

• 

  Wells Fargo Bank

  • Loss Mitigation Underwriter

    • Feb 2010 - Sep 2010

    Analyzed applicants' financial status to determine the feasibility of modifying mortgages by: examining personal & business tax returns, credit & property evaluations.Worked with investor work rule/guidelines and direct contact with investors to insure due diligence was followed throughout the modification process. Ensured consistent application of compliance & regulatory standards & adherence to internal policies & control standards. Reviewed modifications with customer service before providing possible solutions to the customer.

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  FPC Jobsnet

  • Member

    • 2009 - 2010

• 

  Lincoln Financial Group

  • Assistant Vice President - Commercial Mortgage Loans

    • May 2007 - Jan 2009

    Developed a portfolio of commercial mortgages through relationships within a correspondent network. Responsible for underwriting & evaluation of credit & involved travel to visit sites & correspondents to assure types of properties and risks.

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  Habitat

  • Holland, Michigan

  • Member Board of Directors

    • 2005 - 2007
    • Holland, Michigan

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  Morgan Stanley

  • Financial Advisor

    • 2003 - 2007

    Developed and maintained client base by providing investment advice and financial planning to individuals and businesses.Implemented and maintained the proper balance of investment income, capital gains, and asset allocation based on clients needs and risk tolerance. Acknowledged as a top 10% producer for new hires in 2003 and 2004.

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  Merrill Lynch

  • Financial Advisor

    • Jan 1999 - Jan 2003

    Entered two year PDP Program and obtained Certified Financial Planner® designation in 2002.

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  Northwestern Mutual Life

  • Financial Representative

    • Jan 1995 - Jan 1999

    Awarded Bronze and Silver Awards for production achievements and National Quality Award for business retention.Qualified for and attended Career School along with 50 other Agents with less five years experience studying complex financial concerns of clients and understanding proposed insurance and financial solutions.

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  ANCHOVY - BEACH CONCEPTS

  • General Manager, Partner

    • Jan 1991 - Jan 1995

    Organized operations of the company including fiscal management, budgeting, material purchasing, scheduling, and distribution.Managed and coached 13 direct reports.Developed and managed banking relationshipsManaged $1.2 million revenue company including payroll, account receivables, account payables, and cash flow.

• 

  GREAT LAKES BANCORP

  • Vice President - Commercial Loan Officer

    • Jan 1986 - Jan 1991

    Responsible for new business development and cross-selling of all bank products. Responsible for all phases of underwriting lending including real estate analysis, cash flow models, profitability models and credit underwriting to middle market clients. Responsible for managing a portfolio of adversely graded loans seeking to minimize loss exposure.Managed in excess of $65 million in commercial loans.Managed $10 million in commercial loan workouts.

• 

  FIRST OF AMERICA BANK

  • Vice President - Senior Loan Officer

    • Jan 1979 - Jan 1986

    Administered and managed a team associated with a $70 million dollar loan portfolio. Developed, implemented, and monitored ongoing programs which measured profitability, acceptable risk, liquidity, loan concentrations, delinquency, and new business development. Involved in long term planning and setting goals and objectives for portfolio growth, income potential, and business development. Assisted in developing lending staff through internal and external educational programs.

• 

  LINCOLN FIRST BANKS

  • Loan Officer

    • Jan 1975 - Jan 1979

    Responsible for the origination, underwriting and negotiation of commercial loans. During my employment I successfully completed the bank's credit and loan officer program. Attended National Commercial Lending School, Norman, Oklahoma.