DAVID MICHAEL ALBERS

11304 Hidden Hollow Court

Potomac, MD 20854
904-591-9923
dad27d70@westpost.net
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COO * SENIOR BUSINESS DEVELOPMENT, MARKETING & SALES EXECUTIVE
Expert in: Business Development - Sales & Marketing Leadership - Large Scale Org
anizational Change
Creative and innovative leader, change agent and entrepreneur. Recognized for pl
anning and executing large scale cultural change that results in reduced costs a
nd sustainable growth in revenue and long-term value. Proven ability to design,
plan and execute strategies for international and domestic: start-ups, restruct
urings and turnarounds (for closely-held and Fortune 500 companies). Visionary,
engaging communicator and mentor known for the ability to produce successful ou
tcomes from difficult and varied situations. Broad-based industry and functiona
l expertise coupled with a relentless drive to increase revenue through market s
hare, manage expenses and improve profitability.
Areas of Excellence Include:
Business Development
Investor, Lender & Public Relations
Executive Development
Sales Program Development
Strategic Partnerships
Succession Planning
Marketing Campaign Creation
Large Scale Project Management
Financial & Statistical Analysis
Full P&L Responsibility
Business Process Reengineering
Capital Structure Optimization
Vendor & Contract Management
Emerging & Advanced Technologies
Credit Risk Management
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EXECUTIVE HIGHLIGHTS & MILESTONES
Business Development / Sales & Marketing Leadership / P&L Responsibility
Championed, promoted and executed the restructuring of the business development,
sales and marketing departments as Regional Sales & Marketing Director for SunT
rusts Mid-Atlantic region expanding the companys dealer base and growing loan pr
oduction by over 40% in two years
Built Real Mortgage Systems national pipeline of lender acquisition targets thro
ugh sound business development techniques facilitating the company raising $11 m
illion in seed capital from a private equity firm
Designed and executed comprehensive marketing programs including product offerin
g, pricing and branding for high-volume consumer finance businesses using direct
mail, calling campaigns and sales representatives to grow top-line revenue for
SunTrust, Seminole Finance and Keller Financial Services
Forged strategic alliances with AmeriCredit, ADT and large automobile dealer gro
ups such as Hendricks Automotive and Auto1 creating new revenue sources and impr
oving profitability
Launched a distressed asset management company, EquityLinc, by landing a $30 mil
lion contract with one of the largest banks world-wide
Large Scale Project Management / Change Agent / Emerging & Advanced Technologies
Established a 400-agent international call center (direct marketing, customer s
ervice and collections) and back-office operation for HSBC in Kuala Lumpur, Mala
ysia that serviced businesses in six countries enhancing revenue streams and sav
ing corporate in excess of $10 million annually
Directed the migration of a 170-agent call center operation from the United Stat
es to India resulting in savings of over $3 million annually to HSBC
Acted as the senior business development officer in the migration of business un
its to Malaysia from Australia, New Zealand, Singapore, Brunei and the U.S.
Coordinated multiple system-conversions and new technology implementations for s
everal organizations including HSBC, Household International and Keller Financia
l Services
Corporate Financing / Capital Structure Optimization / Venture Capital Managemen
t
Raised $11 million in seed capital from a private equity fund to launch a new bu
siness
Negotiated and secured a $35 million asset-backed revolving line of credit from
Wells Fargo Capital Finance to fund real estate investment mortgages
Negotiated and secured a $75 million asset-backed revolving line of credit from
GE Capital to buy auto finance receivables
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LEADERSHIP CAREER HISTORY

CEO & PRESIDENT - EquityLinc, LLC - Kansas City, MO: 2008 to Present
Launched successful entrepreneurial venture offering specialized multi-faceted l
oan and real estate services designed to increase cash flow and mitigate financi
al institutions losses while facilitating the flow of foreclosures into the appr
opriate buying channels. Created and implemented a unique pre-foreclosure servi
cing model to help stem the tide of defaults while streamlining the foreclosure
process to reduce costs and improve liquidation turn-time in those cases where r
epossession was unavoidable. This dynamic value proposition of loan servicing a
gents collaborating before, during and after foreclosure with attorneys, contrac
tors and real estate professionals assisted bank clients in demonstrating notewo
rthy improvements to regulators between audits.
Selected Achievements/Highlights:
Landed a contract with a national bank to manage a $30 million portfolio of dist
ressed residential loans and properties
Presented a proposal aimed at reducing blight at the Kansas City Federal Reserve
. Audience included the Fed President, the local Congressmans office and the Ma
yors office.
Rehabbed, marketed and sold/rented over 130 properties70 within a six month time
frame
Managed over 200 properties and 200 mortgage loans

CHIEF OPERATING OFFICER - Real Mortgage Systems, Inc. - Jacksonville, FL: 2005
- 2008
Envisioned and authored the business plan (including proformas) to acquire small
mortgage lenders throughout the U.S. and create a consolidated operation whose
competitive advantages were a lower cost of capital through securitization and s
treamlined efficiencies gained by deploying cutting-edge proprietary software de
signed specifically for the niche in which we were competing. Canvassed private
equity and venture capital firms to create interest in the plan, brought two of
fers of funding to the CEO and Board of Directors, negotiated the terms of the s
tock sale directing a team of attorneys and closed on an $11 million funding com
mitment from a private equity firm. Built a nationwide pipeline of acquisition
targets, proposed and negotiated purchase terms and orchestrated closings. Secu
red a $35 million line of credit to commence operations.
Selected Achievements/Highlights:
Raised initial seed capital of $11 million from a private equity fund
Negotiated and secured a $35 million asset-backed revolving line of credit to fi
nance the purchase of real estate investment properties

SVP, GLOBAL OPERATIONS & SUPPORT SERVICES - HSBC: 2000 - 2005

Kuala Lumpur, Malaysia
SVP of Operations: Directed the start-up of global operations to effectively mig
rate processes from various countries to Malaysia. Recruited, hired and trained
local senior and middle managers to build a large scale offshore call center (t
elemarketing, customer service and collections) and back-office operation. Serv
ed as a strategic business partner and relationship manager with the home countr
ies Senior Executives. Led, motivated and coached teams to achieve the same lev
el of performance as the home countrys operations within a defined time period.
SVP of Support Services: Administered the day-to-day operations of a 160,000 sq
uare foot facility housing 2000+ employees and the associated multi-million doll
ar budget. Reviewed and updated existing security and business recovery plans.
Managed multiple vendors to ensure smooth site-wide daily operations. Negotiat
ed several new contracts and renegotiated several existing contracts with local
business owners, executives and government officials to ensure that HSBC was pro
perly covered from a liability perspective and was receiving sufficient value fo
r the money spent.
Selected Achievements/Highlights:
Within 120 days, grew the call center staff to over 400 employees serving the Un
ited States, Australia, New Zealand, Malaysia, Singapore and Brunei
Enhanced revenue streams and delivered over $10 million in annual savings to the
companys bottom line
Devised a succession plan that resulted in local management taking the lead in t
he majority of the operation within one year of commencement
Jacksonville, FL
Director of Collections: Was recruited to open a new call center in Jacksonville
, FL for HSBC. Built-out the facility with the appropriate computer systems and
telephony (including a Lucent switch and Davox dialer) and staffed the operatio
n with 170 agents within 90 days of commencement. Through inbound and outbound
campaigns, handled over 10,000 calls daily servicing over 100,000 consumer loan
customers. Managed all ranges of delinquency and created comprehensive reportin
g systems to communicate monthly, quarterly and annual results to the COO and CE
O. Migrated the entire operation to Hyderabad, India.
VP, REGIONAL SALES & MARKETING DIRECTOR - SunTrust Bank - Richmond, VA: 1998 - 2
000
Transformed the sales culture within the Dealer Services division from an order
taking concentration to one of assertive selling and aggressive revenue growth.
Accomplished this by introducing a profitability-based incentive plan to drive
a pay-for-performance mindset, implementing a customer relationship management (
CRM) software linked to the production system to hold everyone accountable to da
ily calling and production goals and providing extensive training to the sales f
orce in professional consultative selling techniques.
Efforts were bolstered by developing an ROI-based marketing plan aimed at captur
ing market share through increased same-store sales and an expanded dealer base.
Grew same-store sales by reconfirming the product offering and pricing were co
mpetitive yet profitable and aggressively branding the SunTrust name through pro
motions, dealer incentive programs, direct-to-consumer mail campaigns, sponsorsh
ip of key dealer events and consistently keeping SunTrust top-of-mind to both th
e dealer and the consumer. Expanded the dealer base through focused campaigns a
nd promotions to high-potential dealers, extending the banks footprint into two
new states and entering into several key strategic partnerships augmenting the e
xisting value proposition by creating new revenue sources for the dealers and th
e bank.
Selected Achievements/Highlights:
Championed, promoted and executed the restructuring of SunTrusts Dealer Finance
product, sales and marketing departments to grow the companys prime auto loan po
rtfolio by over 40% in two years at record risk-adjusted spreads, lower-than-for
ecasted credit exceptions and reduced delinquencies and charge-offs
Pioneered the auto finance industrys first electronic prime to non-prime flow-th
rough program between SunTrust and AmeriCredit leading to $500k in annual fee in
come to SunTrust from loan referrals
Opened two new states for the auto finance division resulting in over a million
dollars in new monthly originations
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EARLIER ROLES & COMPANIES
SENIOR VICE PRESIDENT OF OPERATIONS, SALES & MARKETING - Keller Financial Servi
ces
CHIEF OPERATING OFFICER AND PRESIDENT - Seminole Finance / 2nd Chance Finance
SENIOR BRANCH MANAGER AND REGIONAL COMMERCIAL LENDER - Barnett Bank
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EDUCATION
BACHELOR OF SCIENCE IN FINANCE / BACHELOR OF ARTS IN FRENCH (both with Honors*)
Florida State University - Tallahassee, FL
*Having been awarded the Ada-Belle Winthrop King Scholarship, one year of the Fr
ench degree was earned in Paris, France at LInstitute Catholique.
Formally trained in:
Accounting, Financial Analysis, Process Improvement Methodologies, Project Manag
ement, Risk Management and Consumer & Commercial Credit Risk Analysis
Languages Spoken: French
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COMMUNITY INVOLVEMENT / SERVICE
BOY SCOUTS OF AMERICA Scoutmaster, Triple Crown Award Recipient, High-Adventure
Council Contingent Leader
COMMON SENSE HOUSING INITIATIVE Founding Member and Business Manager
ORDER OF THE ARROW - Brotherhood
JUNIOR ACHIEVEMENT Volunteer of the Year
COMMUNITY SERVICE PROJECTS - Over 200 hours annually
LITTLE LEAGUE BASEBALL - Coach
TAE KWON DO - Assistant Instructor
LITTLE LEAGUE BASKETBALL - Coach