To whom it may concern,

I am seeking a position to apply strong skills and experience in Corporate Consulting, Executive
Management, Regional Management, Product Development, Audit and Compliance, Production,
Human Resources and Underwriting. I have driven myself to succeed in business as in my
personal life, I have overcome many obstacles and achieved my own goals and the goals placed
before me by my superiors.

Salary history and/or preference are premature requests within these economic times. Let us see
if indeed we are compatible for one another’s needs.

I hope that you do not take offense with the shortness of this cover page, it is my belief that to
be efficient in business you must get to the point.

Thank You

Toma N. Ghiran

Toma N. Ghiran
26611 Rosepath
Lake Forest, CA 92630
Cell: 909-560-4552
 tghiran@gmail.com

Objective: To obtain a full-time, permanent position with a Company where my

Knowledge and skills will be fully utilized while contributing to the Company’s
growth.
Qualifications: Corporate Consulting, Vice President of Secondary and Product Development,
Regional Manager, Compliance Manager, Production Manager and Underwriting
Manager

Project Management
• Keep fully informed of techniques, practices and trends in the marketplace,
reviewing federal tax law, contract law, insurance, and accounting principles
relating to the industry, developing procedures to best utilize these trends.
• Prepare for emerging customer needs, manage and close existing deals while
cultivating new opportunities, determine project urgency and use goals to guide
actions and create and execute detailed action plans.
• Develop educational materials and programs for both clients and production
teams to address a continuously changing industry and program instabilities;
equip the work force with the tools needed to best serve the needs of the
customer base while achieving maximum profitability.
• Provide technical and administrative direction, coordination, evaluation, training
and coaching to a team of project control specialists, while defining and
maintaining internal and external client-requested project control deliverables.

Sales/Customer Relations
• Utilize skills developed from the broad experience with sales, operations,
marketing, compliance and secondary resale of both retail and wholesale
products. Able to identify the needs of both customer and company to better
utilize the company’s strengths along with identifying any weaknesses that may
need to be addressed. Able to develop a team capable of providing consistent
results.
• Successfully prospect for new sales opportunities in the mid-market sector
across various vertical markets while developing and executing a winning sales
strategy, including developing new prospect opportunities and expanding
company’s presence with their customer base; successfully use consultative
selling skills to clearly understand customers’ business requirements and
recommend solutions while utilizing collaborative team selling to maximize
market share.

Audit/Compliance
•Review investment opportunities, analyze financial statements and other credit
data to determine the credit worthiness of potential projects, review industry
economic status, product type, customer base and macro-economic climate
while working with marketing representatives to pre-screen all requests for
investment risk (real estate as well as credit).
• Review credit applications and monitor corporate borrowers/industries including
credit worthiness, loan structures, maximization of risk return, profile of
borrower, financial/industry standing, historical P & L, cash flow projections and
assumptions.
EMPLOYMENT HISTORY
Corporate Consultant, Financial Interests At Present
V. P. of Secondary, Tower Mortgage Capital, Inc., Rancho Cucamonga, CA 7/2006 – 4/2008
Regional Manager, Corvus Funding, Inc., Irvine, CA 6/2005 – 4/2006
Business Plan Development and Consulting, Financial and Business Plan Interests 3/2003 – 6/2005
Account Executive, Fremont Investment and Loan, Anaheim Hills, CA 1/2001 – 2/2003
Account Executive, Long Beach Mortgage, Orange, CA 7/1999 – 12/2000
Underwriting Manager, American Benefit Mortgage, Lake Forest, CA 3/1998 – 5/1999
Production Manager, West Wind Financial, Tustin, CA 5/1994 – 2/1998