CAPELLA COMMERCIAL MORTGAGE & HARDMONEYLASVEGAS.COM

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1 CAPELLA COMMERCIAL MORTGAGE & HARDMONEYLASVEGAS.COM President/Owner - 02/2002 To Present Primary responsibility is management of the private money loan portfolio on income producing properties and land. Negotiating, underwriting, closing and selling of loans. Managed the interaction between the Mortgage Lending Division and Private Lenders Group. Involved in writing legislation and interacting with legislators and lobbyists on behalf of Private Lenders Group. Extensive experience in: loan software and computer underwriting systems, investigation and resolution of borrower and investor inquiries, audit and control procedures, and document preparation. Responsible for all advertising, networking & marketing, public relations, accounting, and tax preparation duties. Licensed as the Qualified Employee and Broker of Record. Knowledgeable and experienced in residential and commercial loan guidelines and processes. Ran the institutional, conventional loan center for 5 years, and very knowledgeable of Federal and State laws pertaining to hard money lending and conventional lending for both residential and commercial loans. Have one of the lowest foreclosure rates in Las Vegas. Host of radio show Hard Money Talk Show on the Business Talk Radio station in Las Vegas, 970 AM KNUU, where we have discussions of private money lending, ethics, legislation, guest speakers and current issues. Owner of www. and State of the art social media campaign. Public Speaker. Teach CE classes for loan officers on state and federal law. NEVADA FIRST MORTGAGE AND CAPITAL QUICKLINK, INC. Loan Officer 05/96 to 02/2002 Brokered commercial, residential and private money loans. Business owner and cash flow broker specializing in the purchase of trust deeds, business notes, and accounts receivables.. Investment opportunities required in-depth negotiations, thorough and precise due diligence, review of business financials and credit reports, appraisals, document preparation, title reports, resolution of difficult and complex title issues and various legal issues. CLARK COUNTY TREASURER S OFFICE Systems Coordinator - 03/95 to 05/96 Responsible for computer programming and systems analysis duties for the Clark County Treasurer s Property Tax system. Analyzed work flows, implemented improvements through software and hardware, assisted and resolved computer problems for staff accountants, trained clerical staff, and assisted the County Treasurer with special projects.

2 CITIBANK NEVADA CARD PROCESSING CENTER 03/1986 TO 03/1995 CUSTOMER SERVICE MANAGER - CITIBANK 3 years - Managed a unit of 45 representatives in a 24 hour call center with high volume requirements, resolved very difficult customer complaints, performed all administrative tasks, prepared reports and daily monitoring of call statistics and quality assurance, did all HR functions, and designed and implemented the Citibank s first computerized ranking system. Pulled credit reports, increased credit lines up to $99,000 TRANSACTION SERVICES MANAGER - CITIBANK 1 year -managed 10 employees in the department that manufactured and mailed out 20 million credit cards per year. Responsible for budget, ordering and inventory control, capital expenditures, quality assurance, machinery operations, and security of credit card vault. Prepared management reports, performed all HR functions (hiring, firing, reviews). ACCOUNTING MANAGER CITIBANK 1 year - managed the Payroll and Accounts Payable department with 8 employees. Designed and implemented the first computerized timesheet accounting system for Citibank Nevada which reduced the workload by 50%. Responsible for all Federal Tax regulatory requirements, payment of all bills, and resolution of disputes. CITIBANK NEVADA CONTINUED PROGRAMMER ANALYST/ SYSTEMS DEVELOPMENT: 3 YEARS - Responsible for programming and systems analysis tasks for the customer service system (account inquiries, statement processing, account management) on an IBM mainframe computer. Team leader for large projects. COMPUTER SCIENCE CORPORATION 03/86 TO 03/87 PROGRAMMER ANALYST Programmer for the Environmental Protection Agency 03/86 TO 03/87 MANPOWER DATA CENTER 09/80 TO 01/85 COMPUTER PROGRAMMER/SYSTEMS ANALYST Programmed business software (medical, legal, inventory), trained client s staff

3 BACHELOR OF SCIENCE IN BUSINESS ADMINISTRATION MINOR IN MANAGEMENT INFORMATION SYSTEMS With Honors UNLV, LAS VEGAS, NEVADA 1985 KINGMAN HIGH SCHOOL, 1978 VALEDICTORIAN KINGMAN JUNIOR HIGH SCHOOL - VALEDICTORIAN CURRENT INVOLVEMENTS Private Lenders Group, President, Secretary/Treasurer, Vice President Legislative Committee Member Chamber of Commerce PREVIOUS GROUPS CCIM designee, Commercial Marketing Group, Nevada Association of Mortgage Professionals, National Association of Mortgage Brokers, Greater Las Vegas Association of Realtors Dale Carnegie Training Greenview Plaza Owners Association, President HOBBIES Competitive Ballroom Dancer, gardening, reading, dune riding, boating, fishing, wakeboarding

4 PERSONAL INFORMATION PAGE Picture Gallery Recent Photos Family Information I don t have a lot of time for Facebook, although I am using it a bit for business, as well as Twitter, LinkedIn and Plaxo. Using Twitter, I follow the Wall Street Journal, NY Business Times, Mortgage Daily, and many mortgage and legal tweets. That way I can find out the information before it hits the newspaper. The purple dress was my first official ballroom gown. I dance International Standard, Open Gold category, with my husband, John Cordon. We take lessons from Anna Mikhed, who is one of the top professional Standard dancers in the world, and a very, very nice human being. Next, is a miniature sword-type fish that I caught in Puerta Vallarta. The big one got away, but not before I saw it sail through the air. It was magnificent and very heavy, which is why I lost it. We only fish catch and release as it is much more fun and better for the environment. The third picture shows myself, my youngest son, and my husband at my neice s wedding. The oldest son was in Iraq at the time. And finally, the blue jacket picture. The professional studio pictures were taken in 2005.

5 FAMILY LIFE My husband, John, is a biologist, and works as an independent contractor protecting wildlife (tortoises, birds, plants) on construction job sites. He is actually licensed to handle tortoises. He spent 24 years working for Phizer as a scientist, doing research on drugs to treat neurological disorders. He is a classical pianist, although he hasn t had time to practice in over a year, as he works 6-7 days a week, hours a day, which is why I get to work so many hours! When he is home, I am home. Otherwise we re working because we love what we do. My oldest son, Craig (24), just got out of the Army last December. He was in the Airborne division for 7 years and he served 3 tours in Afghanistan, and one tour in Iraq, while based in Vicenza, Italy. He applied for the U.S. Border Patrol, got a 98 on the test, and has been offered employment with them, or he may get a job in trucking, which he loves. Craig gained confidence, and some of the best work ethics and management skills I have ever seen, by being in the military. And he can save your life no matter what you get yourself into. He is a handy guy to have around. My youngest son, Matthew (just turned 18), does everything that pertains to the sport of drifting. His extraordinary story can be found at by clicking on sponsorship at the top of the page. He is one of the youngest drivers to win Top Drift Round 4 and he accomplished that the first time he competed last year. He wants to have his professional driver s license by the end of the year. He also works at Capella Mortgage as a personal assistant to me, answering phones and s, and putting together the computerized data into each customer file. He is preparing to become a real estate agent. HOME ADDRESS: 3079 MONTE ROSA AVENUE LAS VEGAS, NV Last updated October, 2011