Experience

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  Farmers savings bank

  Jan 1984 - Jan 1986

  Svp & chief financial officer
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  Financial corporation of santa barbara

  Jun 1986 - Dec 1988

  Evp & acting chief financial officer

  Started as Treasurer, managing investment portfolio, liquidity, financial analysis, planning and budgeting for $4 billion-asset Santa Barbara Savings. Appointed as Acting CFO during financial crisis. Took charge of strategic assessment and profitability studies that triggered dramatic changes. Led resulting initiatives to restructure Capital Markets activities, balance sheet, interest-rate risk profile, and organization chart. Issued innovative mortgage securities in public markets.

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  Conrad financial

  Jan 1989 - Sept 1992

  President

  Founded and led successful consulting firm with clients including thrift institutions, commercial banks, small business owners, and individual investors. Prepared strategic and business plans, advised on acquisitions and divestitures, restructured balance sheets and organizations, prepared business valuations for IPO or sale.

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  Pnc mortgage corp. of america

  Sept 1992 - Dec 1998

  National sales manager

  Led all sales & marketing functions for wholesale mortgage channels of nationwide mortgage lender, then owned by PNC Financial Services Group, Inc. Acquisition channels included Conduit (securitization of servicing-retained purchases), Correspondent (purchasing loans closed by mortgage bankers), and Wholesale (acquiring loans originated by mortgage brokers). Expanded annual sales volume from $3 billion to $14 billion, exceeding plan during last four years. Operating budget over $6 million. Over 800 customers in all channels. Show less

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  First horizon national corporation

  Jan 1999 - Jan 2007

  Led Corporate Development projects for First Tennessee Bank, $38-billion asset subsidiary of First Horizon National Corp. Primary focus on Bank Acquisition and de novo expansion in selected new markets, including Washington DC metro area, Atlanta GA, Dallas TX, Phoenix AZ, and Seattle WA. Conducted Strategic Analysis, directed Financial Analysis team, identified optimal growth opportunities, developed CEO-level relationships, negotiated and structured acquisitions, presented plans to regulatory authorities, recruited new regional Presidents, and led defense of brand name in legal proceedings. Reported first to CEO of First Horizon Home Loans in Dallas TX, and later to the President of First Tennessee Bank in Memphis TN. Show less Founded and built all aspects of Correspondent Mortgage Banking (loan purchase) activity for national mortgage lending subsidiary, First Horizon Home Loans, reporting to the CEO. Led sales, marketing, operations, and risk management functions for new channel of business. Also covered role of National Sales Manager until creating and filling separate position in 2004. Funded $16 billion through 2006 while generating $42 million of cumulative pre-tax profit. Over 300 active mortgage banking customers, serviced by maximum staff of 70. Show less

  • EVP, National Expansion

    Jan 2004 - Jan 2007

  • EVP, Correspondent Mortgage Lending

    Jan 1999 - Apr 2006
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  Guaranty bank

  Feb 2007 - May 2007

  Strategic consultant

  Consultant to CEO on Corporate Development and Strategic Planning projects. Evaluation of growth and expansion alternatives for this $18 billion-asset banking and insurance company, headquartered in Austin, Texas.

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  Wells fargo advisors

  Sept 2008 - Jul 2017

  Financial advisor

  I began in training with Wachovia Securities in September 2008, which soon was acquired by Wells Fargo, and my firm became Wells Fargo Advisors. Licensed in February 2009, I built my financial advisory practice over an 8-year period, ending with $33 million of assets under management for a group of households who trusted me to manage their investment portfolios, develop thorough plans for their retirement & other goals, and consult on a variety of financial matters. While at Wells Fargo Advisors, I earned the Chartered Retirement Planning Counselor® designation in 2009 and made extensive use of their planning technology and process, called Envision®. In 2016, I was approved as a Fundamental Choice Portfolio Manager, which allowed me to build my own investment models and have discretion over client accounts. Show less

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  Parkway wealth management group

  Jul 2017 - Oct 2021

  Financial advisor

  As a Financial Advisor at Parkway Wealth Management Group, affiliated with Raymond James Financial Services, Inc., I focused on providing exceptional service to my clients in 10 states. Nearly all of my account relationships were advisory, by choice, which means I embraced a fiduciary duty to those clients. I was also delegated by those clients to have discretion over there asses, within stated parameters. Where needed, I also managed brokerage accounts, as with annuity assets.* I earned the Chartered Retirement Planning Counselor® designation in 2009 and made extensive use of the firm’s planning process and technology, which was a more sophisticated version of what I had created at Wells Fargo Advisors. * The primary tool used by Parkway to develop investment models and their components was "relative strength" technical analysis of comparative trends in the market value of individual securities, as well as of broader investment categories. Show less

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  Freelance

  Nov 2021 - now

  Retired