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PHONE NUMBER AVAILABLEEMAIL AVAILABLEGaulden Construction, Inc (Masonry Contractor) 1982 - 2018 As the founder and principal operator of a successful Masonry Construction Business, I specialize in delivering high-quality masonry solutions for residential and commercial projects. With a focus on precision, craftsmanship, and attention to detail, I lead a dedicated team in executing various masonry services, including bricklaying, stone masonry, blockwork, and decorative concrete. Additionally, my expertise extends to laying out and digging monolithic slab continual footers, and pouring concrete slabs and foundations for new home construction in accordance with the new home building plans and specifications. Moreover, I oversee the pouring of concrete driveways and concrete walkways, ensuring adherence to industry standards and client preferences. Leveraging years of hands-on experience and industry expertise, I ensure timely project completion while adhering to stringent quality standards and client specifications. My commitment to excellence, coupled with a strong work ethic, has earned my business a reputation for reliability and customer satisfaction within the construction industry.Housing Rehabilitation Specialist (Inspector)City of Jacksonville, Jacksonville, FloridaJan 1998 - Apr 2010 (40 hours a week)Cost Estimation: Spearheaded cost estimation initiatives for single-family housing under the Home Repair Grant Program, targeting low- to moderate-income residents.Document Review: Diligently reviewed and audited a range of supporting documents, from estimates and contracts to plans and drawings, ensuring seamless funding processes.Damage Assessment: Expertly determined the cause and extent of damages to various structures, from residential homes to business establishments, and proposed effective repair methods. Cost Evaluation: Assessed the financial implications of repairing and replacing diverse properties, including personal, business, and commercial assets.Technical Proficiency: Leveraged computer systems for a multitude of tasks, from data uploading and retrieval to comprehensive internet research.Project Costing: Accurately calculated the total project costs for disaster repair projects, ensuring budget adherence and financial feasibility. Real Estate Broker, Loan Officer, and a HUD Certified Housing Counselor Professional Summary of Loan Review and Analysis:Conducted comprehensive reviews of assigned loan files to understand loan characteristics, collateral, and terms.Gathered and analyzed data on loan balances, lien situations, collateral, and borrower assets to determine potential recovery options for the Agency.Stakeholder Communication:Engaged with lenders and Certified Development Companies (CDCs) to discuss loan situations and explore all available alternatives. Communicated effectively with borrowers, major creditors, and legal representatives to gather necessary information and make informed recommendations.Recovery Strategy Development:Analyzed potential "work-out" solutions in various situations and developed standard repayment plans, including restructured amortization and extended maturities.Provided strategic recommendations to maximize recovery for the Agency and minimize losses for obligors.Request Evaluation:Reviewed and analyzed servicing, liquidation, and purchasing requests from direct borrowers and participant lenders.Prepared detailed recommendations for supervisors and team leaders based on thorough evaluations.Loan Management:Managed the servicing, purchasing, and liquidation of delinquent or potentially delinquent loans.Developed and reviewed detailed liquidation plans to ensure orderly debt resolution.Assessed when all reasonable collection efforts had been exhausted and recommended loan charge-offs accordingly.Additional Responsibilities:Performed additional related duties as assigned, demonstrating flexibility and a commitment to comprehensive loan management and recovery efforts.Professional ExperienceReal Estate Industry Experience:Over the course of nine years as a Real Estate Broker, successfully assisted numerous Home Buyers and Home Sellers in seamless transactions. In addition, as a HUD Certified Housing Counselor, adeptly evaluated clients' financial situations, providing guidance and exploring available options for those encountering challenges in mortgage loan repayment. Collaboratively developed effective plans to provide necessary mortgage assistance to clients in need.Work experienceEagle National Bank and Cooast2Coast Mortgage Company Loan OfficerOctober 2007-June 2011 & 2018 -2022 (40 per week) Provided information on various loan products and credit options so that customers could make informed decisions. Received and processed clients treasury, tax, and loan payments. Produced reports detailing the financial status of commercial real estate, financial statements of loan applicants, leases, and market research. Provided assistance to senior credit officers in processing complex loan applications.Coast2Coast MortgageJanuary 2018-September 2022 (20 per week) Recorded loan applicants credit histories on the database and submitted them to management for review. Provided expert financial advice to clients regarding mortgage, educational, and personal loan applications, and requirements. Interviewed loan applicants to determine their creditworthiness before loan approval.One World Realty Real Estate Industry: June 2010 2024 (20 per week) Demonstrated expertise in marketing and listing properties while maintaining direct and effective communication with homeowners and buyers. Proficiently handled intricate paperwork and facilitated seamless transactions for various parties involved. Housing Counselor: 2023 (20 per week)In the capacity of a Housing Counselor, collaborated closely with home buyers/clients and organizations to provide comprehensive support in overcoming housing and financial barriers. Diligently worked towards assisting moderate and low-income clients in achieving their housing goals. HUD 203K Consultant/Inspector: February 1992 -2023 (20 per week)Served as a HUD 203K Consultant/Inspector, responsible for inspecting homes in need of renovations on behalf of local lenders. Conducted thorough feasibility studies, prepared detailed architectural exhibits, work write-ups, and cost estimates, and facilitated draw request inspections and change orders. Ensured strict adherence to FHA requirements throughout the execution of renovation projects.Independent Adjuster Trainingpossess a certificate of completion from Severe RPMS Adjuster Academy in Claims Proficiency, highlighting my commitment to expanding my expertise. My skills include Comprehensive Inspection Of the Loss Property, Xactimate Proficiency (Level 2 prep Quality), and Symbility Proficiency, all complemented by my extensive construction experience.EducationSome CollegeLiberty UniversityJune 2009Skills Knowledge of the FHA, V.A. USDA loan process Reporting skills Detail-oriented Account Management Excellent time management Customer SatisfactionAdditional sectionLanguages EnglishCertifications Real Estate Broker in the States of Florida and Georgia Real Estate Instructor in the State of Florida State of Florida Certified Residential Contractor 203k FHA/HUD Consultant/Inspector Licensed Mortgage Broker in Florida and Georgia HUD Certified Housing Counselor State of Florida Certified Building Inspector State of Florida Certified Home Inspector State of Florida Certified Independent Adjuster |
