Education:
1984 Pima Community College, Tucson Az –securities/finance
1971 Kent State University, Kent Ohio
1967 Bachelor of Science - business/finance
Professional Education:
1999 Mortgage Brokers Rules and Regulations - NIME
1998 Mortgage Loan Officer Training – NIME
1990 Trust and Pension Planning – NALU
1988 Estate Planning/Registered Investment Advisor
1984 NASD Federal/Arizona State Securities Licenses
1983 Arizona State Insurance License
1963 US Air Force Warrant Officer School
1963 US Air Force Electronics School
Employment History:
2010 CitiMortgage, Inc.
Loan Modification Specialist
2008 underwriting processor of residential housing both conventional and private funding
2008 Commercial Consultants Co., Tucson ,Az.
Owner/CEO
1999 market and provide service for borrower to obtain refi, conventional, government, commercial finance for real estate/business loans. Responsibile for the management, finance, and successful process of commercial loans in Canada, U.S., and Mexico.
1999 Mortgages Plus, Inc., Tucson Az Owner/Franchisee
1998 market and provide service for borrower to obtain refi, conventional, government, and commercial loans. Also the responsibilities of management, financial, and theproduction of the Tucson Branch with four employees. 1998 Associated Mortgage Brokers, Tucson Az Senior Loan Officer
1997 market and provide service for borrowers to obtain refi, conventional, government,
and commercial loans.
1997 Sun Quest Mortgage Company, Tucson Az Branch Manager
1995 market and provide service for borrowers to obtain refi, conventional, government,
and commercial loans. Branch manager responsible for ten employees 1996/1997.
1995 All Points Broadcasting Inc., Tucson Az Owner/CEO
1994 responsible for the operation and management of 1470 AM radio station KNXN in
Sierra Vista, Az and 1450 AM radio station KTZR in Tucson. Twenty employees.
To Present Associated Benefit Brokers Inc., Tucson Az Owner/CEO
1991 market and provide services for clients in both individual and business arenas to
acquire multi-faceted financial/estate plans, and pension services. Five employees.
1991 Prudential Companies Inc., Tucson AZ Registered Representative
1989 market and provide array of financial service products to business and individual investment clients.
Managed brokerage office branch 1/1990 to 1/1991.
1989 New York Life Insurance Co., Tucson Az Registered Representative
1984 first New York Life securities representative in Tucson General Office and the top producer for over four years. Marketed and provided full array of financial services.
Military:
1965 US Air Force Communications Warrant Officer
1962stationed off the coast of Red China during the pre-Vietnam conflict. Engaged in the initial action of that war in order to covertly monitor all U-2 spy plane flights over the People’s Republic of China and North Vietnam. Required a special military security designation of Top Secret-cryptographic clearance.
Community/ Personal Affiliations:
2006/09 Panel member for Near Death Experience/Paranormal Group
2007/10 Statutory agent for Lawdex.com Corp.
2004/10 Board of Directors – Lawdex.com Corp.
2004/10 Member of the Fraternal Organization of Elks USA
2003/06 Member of Arizona /Mexico Commission
2003/05 Member of Border Trade Alliance
2002/06 Honorary Co-Chairman of Arizona Business Advisory Council
2001/10 Member of the Tucson/ Mexico Trade Office
2000/05 Member of Tucson Hispanic Chamber of Commerce
1998/10 Member of Tucson Business Advisory Council
1998/06 Associate member of the Annual Tucson Poetry Crawl
1997/02 Founder of the Incarcerated Juveniles Poetry Program
1997/99 Co-founder of the Oral Valley Jazz Society
1997/99 Advisor to Directors of Oral Valley Arts and Cultural Board
1996/00 Board of Directors for Tucson Annual Poetry Festival
1995/02 Member of National Association of Mortgage Brokers
1995/02 Member of Arizona Association of Mortgage Brokers
1991/95 Board of Directors for United Cerebral Palsy of Arizona
1991/06 Founder of Tucson’s Dead Poet Society for novice poets
1991/05 State of Arizona Appointed Notary Public
1989/90 Board of Directors Tucson Angel Charity
1988/90 Sponsor for participant to Arizona Princess Beauty Pageant (3yrs.)
1987/90 President of the Indian Trails Estates Homeowners Association
1987/88 Member of Insurance Association’s Million Dollar Round Table (2yrs.)
1986/89 Founding member of the Off-Broadway Optimist Club
1985/02 National Association of Security Dealers - Licensed Securities Dealer
1984/94 Member of National Association of Life Underwriters
1983/91 Charter Member of Ventana Golf and Racquet Club ( member #100)
1983/10 State of Arizona Insurance License #442638
1979/10 Life member of Disabled American Veterans Association
1975/10 Member of National Amatuer Radio Association (HAM radio-KA7BHA)
1974/76 President of the Harrison Hills Homeowner’s Association
1975/78 Certified Heavy Platform driller – mobile 80 ft platform diesel drills
1973/77 Certified Heavy Equip operator – scrapers, bulldozer, WABCO trucks
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