Work History

Work History


AMERICAN CAPITAL CORPORATION - El Segundo, CAMarch 2010 – present

Loan Officer

Originates and arranges financing for residential and commercial real estate properties. Works with consumers, banks, appraisers, loan processors, underwriters, title companies and escrow firms to ensure information is accurate and complete and closings are timely.


MILESTONE MORTGAGE - Manhattan Beach, CA March 2009 – January 2010

Loan Officer

Responsible for selling real estate financing products to consumers under conventional and government programs for residential and commercial property. Additional duties included ensuring the timeliness and efficiency of loan closings and examining the accuracy and completeness of loan application materials.

Southland Funding

SOUTHLAND FUNDING - Redondo Beach, CAJanuary/1994 - Present

Mortgage Broker/Owner

Duties include selling lending services to consumers and mortgage brokers, processing and underwriting residential and commercial real estate loans in accordance with investor guidelines, evaluating credit quality and resolving underwriting issues. Additional duties include, ensuring the timeliness and efficiency of loan closings and examining the accuracy and completeness of loan application materials; Expertise includes being familiar with all aspects of commercial and residential real estate finance, real estate sales, residential and commercial lease negotiations, property inspections, and SBA business loans.

Essential Duties and Responsibilities:

  • Originates business from current residential and commercial customers through referrals and other sales activities.
  • Conducts initial face-to-face meetings with clients to evaluate their loan requests and inspect property.
  • Analyzes preliminary information on mortgage loan requests to determine if property condition and borrower criteria meet general underwriting standards. This includes evaluation of operating statements, balances sheets, bank statements, tenant leases and tax returns.
  • Prepares loan packages and evaluates mortgage loan documents for completeness and accuracy of information for presentation to Investor.
  • Reviews third party reports including, appraisals, credit reports, environmental, and engineering reports, etc.
  • Works with investor to identify and resolve potential underwriting, securitization and credit issues.
  • Primary interface with borrowers, brokers, and third party vendors, regarding information and documentation required for the closing process.
  • Coordinates closing activities with legal and closing group to ensure timely and efficient closing.
  • Prepares forms and fee agreements to complete the transaction.

City of Redondo Beach

CITY OF REDONDO BEACH - Redondo Beach, CAJanuary/2003 - April 2009

City Councilman

My duties as a City Councilman have encompassed a wide range of activities that serve the public including constituent service, strategic planning, setting policy, creating new laws, adopting city budgets, reviewing land use, zoning and other issues at city council meetings, resolution of disputes among constituents, conducting public hearings in a quasi judicial role, holding monthly district meetings to maintain availability to the pubic, providing city representation at community events, maintaining positive media relations, participating in intergovernmental relations and lobbying activities, providing direction to the staff to carry out the city vision, while providing leadership to ensue those goals and objectives are achieved and serving on several local and regional boards and committees. My experience also includes public speaking and presenting information to the community, media, stakeholders, and elected officials on various subjects using a variety of written and oral formats, and working with special interest groups to maintain effective relationships on issues usually controversial and complex.

Notable Achievements:

  • Successfully managed and won three competitive campaigns (general and runoff elections) for Redondo Beach City Council.
  • Proactively launched a citywide grassroots petition drive to overturn a controversial land use plan. Successfully organized 150 volunteers and collected over 6,000 signatures in two weeks - 2003, which resulted in forcing the City Council rescind the plan.
  • Co - founded and chaired the Redondo Beach Water Quality Task Force - 2006; addressed ocean and harbor water quality issues and made recommendations to the City Council.
  • Identified and secured a water quality grant for $788,400 for a watershed diversion project.
  • Assisted in lobbying Congress for Transportation funding, appropriation of $500,000 received.
  • Successfully assisted in balancing five $80-92 million dollar annual budgets with over 5 million dollars in cuts.
  • Participated in trips to Sacramento and Washington for legislative lobbying efforts.
  • Initiated the arrangement of a grant for the Redondo Beach Farmers Market in the amount of $5,000 dollars providing 2,500 elementary school students enrichment opportunities through field trips to the market. 
  • Assisted in organizing a Katrina Hurricane relief concert that raised $18,000 dollars for Hurricane victims in the Gulf.
  • Instrumental in the formation of the City's first Arts Task Force leading to the establishment of the City's first Arts Commission.
  • Arranged numerous community meetings to deal with a variety of issues including controversial developments, pier and parking issues, senior concerns, and harbor issues.
  • Led a Government delegation to China in March 2006 and successfully established a Sister City relationship with Zhangjiagang. Also met with high-ranking government officials to build business relationships and good will with Beijing, Shanghai, Zhengzhou, Luoyang, and Xian.

Speaking Engagements:

  • Appeared on CNN Time Warner Local edition to speak on the following subjects:
  • o Ocean Water Quality in Redondo Beach, July 2007
  • o The Veterans History Project sponsored by the Library of Congress, August 2007
  • o The Water Drought affecting Southern California, September 2007
  • o Tips for avoiding foreclosure - October 2007
  • o Government rebates and giveaways - November 2007
  • o Additional appearances, December 2007 and January, February, March, April, May, June, July, August, September, October, November, and December 2008.
  • Transforming Local Government Conference / Leadership Innovation - Bellevue Washington, June 6-8, 2007; Presenter - topic: Citizen Engagement techniques.
  • Pepperdine University - Southern California Academy of Sciences annual symposium conference representing the City's Water Quality Task Force - May 2006.
  • University of Southern California - speaking on the role of elected officials in local government - February 2005.
  • The 94th Annual National Day of the Republic of China, Taiwan; Universal City 2005.
  • Speaker at the Leadership Redondo Graduating Class ceremony 2005.
  • Master of Ceremonies for the Redondo Beach Veterans Day memorial services - 2004.

Board Assignments:

  • Independent Cities Association - Board Member / Director
  • California Association of Mortgage Brokers - SOLA Legislative Chair / Board Member
  • Southern California Association of Governments - Elected Member - Water Policy Task Force; 2007-2008.
  • Redondo Beach Parking Authority - Board Member since 2003
    • Vice Chairman from Jan 08 to Present
  • Redondo Beach Housing Authority - Board Member since 2003
    • Vice Chairman from Jan 08 to Present
  • Redondo Beach Public Financing Authority - Board Member since 2003
    • Chairman from June 03 to July 04
  • Redondo Beach Redevelopment Agency - Board Member since 2003
    • Chairman from July 05 to July 06 / Vice Chair from July 04 to June 05
    • Audit committee through July 04
  • Santa Monica Bay Restoration Commission - Current Alternate Board Member

Various Delegate/Alternate Assignments held from 2003 - 2005

  • West Basin Water Association  - Delegate
  • Southern California Association of Governments - Delegate
  • Education sub committee - Delegate
  • Independent Cities Association - Alternate
  • League of California Cities, General - Alternate
  • South Bay Youth Project - Alternate

Other Appointments:

  • Mayor Pro Tempore - Jan 1, 2008 through Sept. 30, 2008; past - April 2004 / December 2004
    • Assignments associated with Mayor Pro Tempore
      • LA County Selection Committee - Alternate
      • LA County Sanitation District - Alternate Director
Jul 1991 - Dec 1993

Loan Officer / Broker

Turner Real Estate & Investments
  • Loan originating and Real Estate Sales
Aug 1984 - Apr 1988

Assistant Manager

Thrifty Drug Corporation
  • Duties included supervising an employee staff of 25+ persons, managing weekly advertising promotions, cash handling, daily sales reports, security, purchasing, shipping and receiving, inventory control, training of personnel and customer relations.




American Public University

In Progress - currently attending



Indiana University
1981 - 1983

Associate of Arts


  • Independent Cities Association
  • National League of Cities
  • League of California Cities
  • InfraGard - Los Angeles Chapter
  • National Association of Mortgage Brokers - NAMB
  • California Association of Mortgage Brokers - CAMB
  • National Association of Realtors
  • California Association of Realtors
  • Southbay Association of Realtors
  • National Notary Association
  • The Redondo Beach Round Table
  • Redondo Beach Sister Cities - Founding member of sister city in Zhangjiagang, China
  • Kiwanis Club of Redondo Beach - Board Member / past Treasurer


  • Available upon request


Dynamic, results oriented hands on leader with strong organizational skills and successful work experience in government affairs and financial services. Expertise includes above average community and media relations skills, strategic planning, and demonstrated experience in collaborating with executive and senior level management. Active and personable team worker who is self-motivated with an upbeat, positive, and persuasive management style with the following additional experience:
  • Previous elected official for the City of Redondo Beach as a 2nd term Councilman.
  • Independent Cities Association past member of the Board of Directors - The ICA represents 53 cities and 7 million people.
  • Fourteen years of experience in Financial Services and Sales as a Mortgage Broker.
  • California Association of Mortgage Brokers, Board of Directors - Past Legislative Chair - Southern L.A. County Chapter.


California Department of Real Estate                                                                                        1991-Present

  • Continuing Education Requirements completed - over 100+ course hours

Burke, Williams & Sorensen

  • Ethics for Public Officials
  • Certificate - July 14, 2006

Institute for Local Government

  • Public Service Ethics
  • Certificate - July 1 , 2006
  • Certificate - July 19, 2008

FEMA Emergency Disaster Training - August 21, 2006

  • NIMS (IS 700) - National Incident Management System
  • ICS (IS 100) - Incident Command System
  • SEMS - Standard Emergency Management System

FEMA Emergency Disaster Training - September 12, 2006

  • ICS (IS 200) - Single Resource and Initial Action Incidents
  • NRP (IS - 800.A) - National Response Plan, an introduction



Notary Public of the State of California # 1186045

California Secretary of State

California Real Estate Brokres License # 01114979

California Department of Real Estate