Download - Eric Resume and Bio 2015

Eric Lawrence Frazier, MBAPresident and CEO

The Power Is Now, Inc.Corporate Headquarters3739 6th StreetRiverside, CA 9501Office: 800-401-8994 x 703 Direct: 714-361-2105 Skype: frazier.ericEmail: [email protected] Website: www.thepowerisnow.com

To schedule an interview contact:

Kendra Gedeon, Executive Assistant to Eric L. Frazier MBA, President & CEOOffice: 800-401-8994 ext. 715 Skype ID: kj4everblessed2 Email: [email protected]

Eric Lawrence Frazier, MBA

Mr. Eric Lawrence Frazier MBA (NMLS 461807) is the President and CEO of the Power Is Now Inc. (CAlBRE 1980407 |NMLS 1435243) The Power Is Now is a multimedia company and real estate sales and lending firm that specializes in real estate education for consumers and real estate professionals in the acquisition, sales, rehabilitation and development of real estate nationwide. The education is disseminated through Online Radio and live online video conferences nationwide on (www.thepowerisnow.com) and www.blogtalkradio.com/thepowerisnow) every day. He is also the Publisher and Editor in Chief of The PIN Magazine which is a real estate Magazine and online magazine which debuted Sept. 1, 2013. Mr. Frazier has over 25 years of experience in real estate as a licensed California Real Estate Broker (#01143484). He is currently the President of the Orange County Realtist (www.ocrealtist.org) which is a chapter of the National Association of Real Estate Broker’s also known as NAREB (www.nareb.com), and a director of the California Association of Real Estate Brokers (www.careb.org). Mr. Frazier is also a nationally known mortgage lending professional with 33 years of sales management, underwriting, operations, and marketing.

Mr. Frazier is a graduate of Redlands University in Redlands California. He has a MBA with an emphasis in Finance and a BS in Business Administration and Management. He is a teacher at University of California Riverside and teaches E-commerce, and lectures on the US Mortgage Crises to international business and political leaders from abroad. He and his wife are founders of Frazier Group Reality in Riverside, CA a full service Real Estate Company (www.fraziergrouprealty.com) a family owned and operated real estate firm. He is on the board of directors of Riverside Fair Housing Council. He is a former Vice President of Orange County National Association of Hispanic Real Estate Professionals, former Advisory Board member of the Orange County Asian Real Estate Association of America Orange, Advisory board member of the Black Chamber of Commerce in Orange County, director of Project Tomorrow (www.tomorrow.org) a national education nonprofit, Member of the 100 Black Men of Orange County and the NAACP in Orange County.

“We are at our best and we maximize our potential for success in business and life when we act on information and

opportunities now. The present is our future because the future is only a reflection of past decisions to act now.”



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He is the past President of the African American Association of REO Brokers and a current member. He is also a member of REOMAC (www.reomac.com), the Pacific West Realtors Association of Realtors, Orange County Association of Realtors, the California Association of Realtors (CAR), the National Association of Realtors (NAR), the Women Council of Realtors, a member of the National Association of Mortgage Brokers, the Past President and current directors of the State of California African American Museum(www.caamuseum.org) and former Pastor of the North Fontana Church.

Mr. Frazier is also an author, singer, poet, and songwriter. He is a blogger, motivational speaker, business consultant and coach for profit and non-profit companies and Community Leader. He enjoys golf, running and jazz music. Mr. Frazier strives to be a role model for others African American young men and enjoys mentoring and coaching adults. His greatest accomplishment is being married to the love of his life for 33 years and being the father of 4 daughters. His three oldest daughters have master degrees in management and business and the youngest daughter who is in her sophomore year at Cal Poly. All of Mr. Frazier’s accomplishments and associations can be found on LinkedIn.


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Resume

Business Objective

To utilize my education, skills, training, and real world experience to help companies, teams and individuals grow and achieve their full potential in Real Estate and Mortgage Banking.

Professional Experience

Aug. 20 2009 to Present

The Power Is Now, Inc. Riverside, CAPresident/CEO

The PIN Radio & TVThe Power Is Now Radio & TV is an Online Radio & TV network from which a series of teleconferences and videos are created to empower, inspire and educate consumers and real estate professional about changes in the world of real estate, banking, finance, marketing, economics, government and anything else that can give real estate professionals and consumers the tools they need to be successful. Currently averages over 40k listeners a month.

The PIN MagazineThe Power Is Now e-Magazine is a national real estate and lifestyle magazine, bringing together each state’s communities of consumers and the real estate, banking, insurance and investment professionals who serve them, through smart, fun, and timely editorial content, compelling photographs and quality advertising. The magazine prototype was launch 9/29 at the AREAA National Convention

The PIN Real Estate ServicesThe Power Is Now real estate services is a full service real estate firm specializing in all aspects of residential and commercial real estate sales and. asset management. The firm’s mission is to provide individuals, companies, private equity placements, hedge funds and banks with comprehensive strategic investing in residential, commercial, RMBS, CMBS and multi-family residents. The asset management division is led by Vice president and Director, Timothy Turner. Mr. Turner has over 25 years of background in financial consulting and private asset management


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The PIN Mortgage ServicesThe Power Is Mortgage Services is a full service mortgage brokerage with many funding relationships with mortgage banks and commercial banks in the US. The PIN mortgage services is able to assistant first time home buyers, move up buyers, investors and non-profit and for-profit businesses in obtaining the financing they need to acquire land, residential or commercial real estate. The division is led by Eric L. Frazier founder of the Power Is Now and corporate broker.

The PIN Technology ServicesThe Power Is Now Technology services is a technology company specializing in website development and maintenance, social media customization and management, online radio and e-magazine development, mobile applications, database development and management and CRMS for real estate professionals and business in general. This division is led by Nicholas Clarkson who brings 10 years of technology management and development.

The PIN Business Consulting ServicesThe Power Is Now Business Consulting specializes in non-profit and for profit companies who provide services of any kind and/or sale products and programs. We create business and marketing plans, SWOT analysis, market studies, sale training, brand and marketing strategies, recruiting and Human resource management, operation management and development of systems and processes to succeed in business. The division is led by Eric L. Frazier MBA and Founder and a team of MBA consultants who work on the projects.

January 2, 2014 to December 2, 2014

INTERCAP LENDING, ALISO VIEJO, CANational Sales Manager

Responsible for national mortgage production from various sources including realtors, builders, and financial professionals through the real estate network of the Power Is Now Inc. To establish MSA’s with key real estate brokers that are part of the Power Is Now network in each of the states that Intercap Lending is licensed to do business.


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Oct. 27 2012 to Aug. 1, 2013

PRIMELENDING, CORONA, CAProduction Manager Responsible for personal mortgage production; solicitation of residential mortgages from various sources including realtors, builders, financial professionals, past customers and other nontraditional sources. My priority is building my personal production for next 12 to 24 months before I start building a team of HMC’s to manage. As a manager I am responsible for managing, coaching, and motivating a staff of Home Mortgage Consultants (HMC) to meet sales production goals; ensure that HMC staff is compliant with Prime Lending Home Mortgage standards, regulations, and policies related to loan production.

June 16, 2008 to March 30, 2012

WELLS FARGO BANK, LA HABRA, CAAssistant Vice President and Branch Manager

Responsible for loan production and operational compliance for the North Orange County Markets La Habra Home Mortgage Center. Manage and approve all underwriting and appraisal arbitrations. Develop and maintain a thorough understanding of the lending territory and market. Conduct weekly sales training and accountability meeting for sales staff. Responsible for directing and managing the sales activities of the branch so that efficient customer service is provided and quality loans are generated. Responsible for managing, coaching, and motivating a staff of Home Mortgage Consultants (HMC) to meet sales production goals; ensure that HMC staff is compliant with Wells Fargo Home Mortgage standards, regulations, and policies related to loan production; Responsible for personal mortgage production; solicitation of residential mortgages from various sources including realtors, builders, financial professionals, past customers and other nontraditional sources.


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Jan 97-June 15, 2008

WASHINGTON MUTUAL, BUENA PARK, CAVice President and Senior Loan Center Manager

Responsible for loan production and operational compliance for the Brea, Buena Park, La Habra and formally two Santa Ana satellite Home Loan Centers. Consistently exceed annual production goals in all categories. Average funded volume over 1 billion dollars per year from 2003 to 2007. Develop marketing strategies, presentations and business development for the entire sales team. Assure compliance with prescribed operational procedures and standards. I was an instrumental member in the development of lending practices, procedures, operational goals for the Loan Centers. Assure optimum application of loan standard and utilization of all resources. Manage and approve all underwriting and appraisal arbitrations. Develop and maintain a thorough understanding of the lending territory and market. Conduct training meetings and certification for Fair Lending, ECOA and HMDA regulations. Conduct weekly sales training and accountability meeting for sales staff. Participate in quarterly home improvement shows and business expositions. Conduct monthly Realtor seminars for 80 to 100 Realtors. Established Santa Ana Caravan and Marketing Session for Realtors called Rally and Ride Inc.

May 95-Nov 97

HOME SAVINGS OF AMERICA, IRWINDALE, CAConsumer Lending Regional Manager

Took the leadership role in the start-up operation of the Consumer Lending Sales Division for Home Savings; Accountable for overseeing the Consumer Lending activities of 30-35 Financial Centers. Accountable for training, and cross-training of existing Financial Center managers and CLO’s. Acting liaison between Group Sales Directors and the Consumer Lending Division Manager. Hired and trained Community Lending Officers in each Financial Service Center. Set goals and completed evaluations on FC lending activity and Consumer Loan Officer’s productivity. Funded 10-15 million per month in consumer loans in territories ranging from South Orange County to San Bernardino County.


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Aug 94-May 95

HOME SAVINGS OF AMERICA, PASADENA, CAAssistant Vice President and Assistant Loan Manager

Loan Authority for 1st trust deeds and open end loans. Managed Home Loan Centers all over Los Angeles County. Managed all phases of operations, underwriting, and originations. Managed sale of R.E.O.’s from start to final disposition of the properties. Reviewed and assured accuracy of appraisals, and the adherence to compliance rules and Bank policies. Participated in community and charitable events and to foster sales and promote the Home Loan Center. Effective and efficient in underwriting and reducing turn around time of all loans. Provided support, guidance, counseling, and training for the Loan Consultant in marketing, territory management, and underwriting techniques; provide support for Realtor and Broker office presentations. Prepared monthly management sales report for senior management.

Mar 92- Aug 94

FIRST FIDELITY FINANCIAL, MONTCLAIR, CAMortgage Banker and Broker, President/CEO

Hired and developed 40 Loan Officers who funded an average of 10 million a month. Interfaced with various investors and lending institutions. Negotiated special pricing, volume incentive, and lines of credit with various investors. Developed a variety of lending programs, pricing, loan production, and statistical data reports. Managed all Human Resources matters including employee evaluations. Prepared budgets and monitored budget variances. Assisted Agents in developing business plans and strategies for success. Established lending territories for branches and Loan Agents. Developed training programs for Loan Officers and Sales Management. Successfully developed various company policies regarding personal and production goals for all staff. Responsible for HUD and D.R.E. audits, trust accounts, and federal regulatory issues. Coordinated efforts of Marketing and Advertising Departments for sales support and marketing collateral.


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Aug 90-Mar 92

GREAT AMERICAN MORTGAGE, RANCHO CUCAMONGA, CAMortgage Banker and Broker, VP Manager

Hired and developed 30 Loan Officers who funded an average of 15 million a month. Established various funding sources and warehouse lines for FHA & VA loans, as well as a wholesale department and funding sources for 4-party originations. Oversaw administrative and production activities of Loan Agents, and the recruitment and training of underwriters, processors, and funders. Coordinated marketing and advertising departments’ efforts for sales support and marketing collateral. Implemented marketing and advertising strategies. Developed training and motivation programs for Loan Agents. Oversaw Human Resources matters including employee evaluations. Directed budget preparation; monitored budget variances, loan production and statistical data reports. Directed the development of business plans and strategies for market segmentation and penetration. Assured all compliance and regulatory issues, responded to HUD and D.R.E. audits, and was responsible for all community involvement and speaking engagements.

Feb 89-July 90

SECURITY PACIFIC FINANCIAL SERVICES, INC. SANTA ANA, CAConsumer Finance Lender, Branch Mgr/Wholesale Executive

Had loan approval authority to $300,000. Implemented marketing and advertising strategies. Prepared budget and investigated budget variances and compliance. Managed underwriting and gave final approval of all real estate and consumer loans. Purchased Funded Receivable accounts throughout California, sold Finance dealer accounts with many retail establishments, and wholesale accounts with Mortgage Bankers and Brokers. Trained Customer Service Representatives and Credit Managers. Supervised he processing, underwriting, and quality control of all transactions. Supervised the collection, selling, and discounting of delinquent loans and R.E.O.’s. Formulated marketing proposals for senior management approval and implementation.

Interfaced with subsidiary Security Pacific National Bank for real estate and consumer loan referrals. Responsible for all community involvement and speaking engagements.


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Dec 85-Jan 89

PRIMERICA FINANCIAL SERVICES, UPLAND, CAInsurance, Mortgages, and Investments, Regional Mgr/Part-Time Recruited and licensed 50 full-time and part-time insurance agents monthly. Implemented marketing and advertising strategies. Developed training and motivation programs for insurance agents. Managed telemarketing operations including training materials and marketing collateral. Conducted weekly group presentations for 150-200 individual for investments, insurance, or employment opportunities in the industry.

Participated in area-wide and statewide meeting as trainer and motivator. Supervised analysis of various insurance programs for replacement and application for pre-underwriting. Supervised production and approval of investment planning and insurance proposals. Provided guidance and assistance to other offices on sales strategies and productivity. Consistently in top 5 in region and in top 20 in the state as an agent and recruiter.

Jun 82-Apr 87

NORTHWEST FINANCIAL, MONTCLAIR, CAConsumer Finance Leader, Branch Mgr

Responsible for directing the profitable day-to-day branch operations. Loan committee, authority to $300,000. Managed underwriting and final approval of all real estate and consumer loans. Developed sales dealer’s accounts with various retail establishments, and sources for home improvement loans; purchased second loans. Trained Customer Service Representatives, Assistant Managers and Credit Managers. Implemented marketing and advertising strategies. Responsible for budget preparation and monitoring of budget variances, as well as loan production and statistical data reports. Responsible for all compliance and regulatory issues. Supervised the selling, processing, underwriting, and quality control of all transactions, collection, and discounting of delinquent loans and R.E.O.’s.


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Education

UNIVERSITY OF REDLANDS, Redlands, CA, Graduate MBA – Finance Emphasis Aug 06 - Jul 08

UNIVERSITY OF REDLANDS, Redlands, CA, Graduate BSBM – Business Administration & Management Nov 02 - June 06

UNIVERSITY OF LA VERNE, La Verne, CA, Accelerated Program, Major: Religion Winter 94 -Jun 95

ACCREDITED LICENSE SERVICE, Brea, CA, Accelerated Courses: Real Estate Appraisal; Real Estate Escrow; Property Management

Mar 93 - Mar 94

CHAFFEY COLLEGE, Alta Loma, CA, Major: UndergraduateCourses: Real Estate Principles; Real Estate Practice; Real Estate Escrows; Real Estate Finance; Legal Aspects of Real Estate

Winter 91 - Jan 03

CAL STATE SAN BERNARDINO, San Bernardino, CA,Major: Chemistry/Physics- Undergraduate Fall 80 - Spring 81

Continuing education in economics and real estate trends through seminars, trade literature, and communication with peers.

Licenses Formerly Held

• Life and Disability Insurance• Fire and Casualty Solicitors License• California Notary Public• Real Estate Agents License

Licenses Currently Held

• Real Estate Broker License (01143484)• NMLS Mortgage License (461807)


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Affiliations

• Past President/Chairman of the Board of Directors for the California African American Museum www.caamuseum.org

• President of the Orange County Association of Real Estate Brokers. www.ocrealtist.org • Board of Directors of Fair Housing Council of Riverside, http://fairhousing.net/ • President/Chairman of the Board of Directors for the North Fontana Church of Christ Inc. • President of the Power Is Now Ministry, a division of the North Fontana Church of Christ Inc.• Member of the Board of Directors of Project Tomorrow a National Education of Non Profit

Organization www.tomorrow.org• Past Advisory Board member of Open Door Institute www.opendoorinstitute.org a real

estate trade organization• Advisory Board of Directors of the Black Chamber of Commerce in Orange County www.

ocblackchamber.org • Member of the National Association of Hispanic Real Estate Professionals

www.nahrep.org• Member of the Asian Real Estate Association of America. www.areaa.org • Member of the National Association of Real Estate Brokers. www.nareb.com • Member of the California Association of Real Estate Brokers. www.careb.org• Member of the Pacific West Realtors Association of Realtors www.pwaor.com• Member of the California Association of Realtors www.car.com• Member of the National Association of Realtors www.nar.com• Member of the Orange County Women’s Council of Realtors www.womenscouncil.info• Member of the NAACP of Orange County. www.naacpoc.org• Member of the Open Door Institute. www.opendoorinstitute.org • Member of REOMAC. www.reomac.com • Member of the Black MBA association• Member of the Board of Directors of The Friends Foundation the fund raising arm of CAAM• Member of the 100 Black Men of Orange County www.100bmoc.org• Member of the National Association of Mortgage Brokers - www.namb.org• Past President of the African American Association of REO Brokers. • Former member of the Advisory Board of Asian Real Estate Association of America of

Orange County• Former Member of the Board of Directors for the Pacific West Association of Realtors Charity

Foundation http://www.pwaor.com/PWRCharityFoundation/CharityFoundation.aspx • Former Member of the Board of Directors of the Orange County NAHREP Chapter

www.ocnahrep.org • Former Member of the Brea Chamber of Commerce• Former Member of the Corp. Advisory Board of the Asian Business Association of LA County

www.abaoc.org• Former Member of the Anaheim Chamber of Commerce• Former Member of the Board of Directors of Diamond Bar Chamber of Commerce


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Business Interests/Affiliations

• The Power Is Now Online Radio www.blogtalkradio.com/thepowerisnow | www.thepowerisnow.com

• Frazier Group Realty Inc. www.fraziergrouprealty.com (Family Real Estate Co.)

Social Media and website

• http://www.linkedin.com/in/ericfrazier• http://www.facebook.com/thepowerisnow• http://www.facebook.com/powerisnow• http://www.twitter.com/thepowerisnow


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Summary of Qualifications

• With 33 years of strong and diverse experience in progressively responsible positions in sales and management.

• Strong background includes: Sales, Management, Cost Center Responsibilities, Underwriting, Loan Processing, Operations, Human Resources, Customer Relations, Training and Developing Loan Consultants, Business and Marketing Plans.

• Extensive knowledge in all types of mortgages – fixed to variable, purchase and refinance transactions, FHA and VA, City and Government Down Payment Assistance Programs.

• Expertise in market segmentation; development and implementation of winning sales strategies; establishing realtor relationships and conducting investor and realtor seminars.

• Extensive knowledge of Federal lending, compliance laws regarding the underwriting and origination of residential and consumer loans.

• Expertise in training and compliance to laws relation to Consumer privacy, ECOA, HMDA, Fair Lending loan servicing, federal regulation regarding disclosure, underwriting and loan originations.

• Proficient in building strong business relationships, identifying needs, and networking with other business partners for solution development, project management, special training projects, training design and implementation.

• Active and cooperative management team member with input into planning, budgeting, forecasting, sales strategies and policy decisions.

• Active and cooperative management team member with input into planning, budgeting, forecasting, sales strategies and policy decisions.

• Excellent communication and interpersonal skills; interact well with staff at all levels, and with groups of wide social, cultural, and educational diversity.

• Hire, train and supervise dynamic and aggressive sales professionals; develop enthusiastic and efficient teams; able to develop each individual to achieve their highest potential.

• Effective trainer and public speaker:• Teach and practice proven sales and promotional techniques.• Address small and large groups for sales, motivation, business presentations and

prospecting. • Develop loyal business partner relationships and easily gain the confidence of others.• Analytical; able to make complex technical concepts understandable; creative

vision; strong writing skills; professional, with a strong work ethic and commitment to excellence.


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Outstanding Record of Achievement

• Ranked number one in % of Purchase business in North Orange Market 2011 – 41%• Ranked number three in units and volume in the So Cal Metro Area - 2010• Ranked number one in Units and Volume in the So Cal Metro Area – 2009• Ranked number one in So Cal Area as BM in Personal Production – 25 million 90% Pur.

Vo. – 2009• Highest customer service scores in the branch in personal production - 2009• Presidents Club Award – 2004, 2005, 2006 and 2007• National Home Loan Center Manager of the Year for 2006• Ranked Number One in Units and Volume production in the Orange/ San Diego Region

in 2004, 2005, 2006 and 2007• Ranked third in Southern Area and the nation on overall production from 2004 to present• Wrote and presented an Adjustable Rate Mortgage Presentation at the Spring Campaign

2004• Washington Mutual Impact Player of the Quarter for the 1st Quarter 2003 Southern Area• Home Center of the Month 2/07, 11/07 in the Southern Region• Home Center of the Month 6/06, 9/06, 10/06, in the Southern Region• Home Center of the Month 3/05, 6/05, 9/05, in the Southern Region• Home Center of the Month 1/04, 2/04, 3/04, 4/04, in the Southern Region• Home Center of the Month 2/03, 3/03, 4/03, 12/03 in the Southern Region• Home Loan Center Goal Achievements, 2000 and 1999, 20 Million Dollar Club, 3/99• Top Recruiter for Orange County Region 2003 to present • Named Top Recruiter for the Los Angeles Central Region for 1999 and 2000• Mortgage Training Certification in FHA & VA Financing, 11/00 and 6/97• Extraordinary Sales Leadership, 2000 Certification, Cohen Brown Management Group,

1/99• Leadership Skills Masters Program Certificate of Achievement, 11/99• Highest Percentage of Goal Achievement Awards, 11/99, 9/98, and 4/98• Resolution from Governor Pete Wilson for Religious & Community Leadership, 12/96• Resolution from President William J. Clinton for Religious & Community Leadership 9/96• Appointment and commission member to Board of Directors of the California African

American Museum by Governor Arnold Schwarzenegger 10/06• Congressional Recognition for Exemplary Leadership in the Santa Ana Real Estate

Community 8/06• Successfully revitalized the Anaheim HLC in 1997; oversaw the relocation to Brea and

established a Diamond Bar satellite. The office has grown since 1997 funding an average of 4 million monthly to the current average of 95 million monthly

• Successfully managed Great Western and American Savings Bank for 8 months during their acquisition and integration by Washington Mutual, while increasing production and retaining current GW and ASB Loan Consultants

Download - Eric Resume and Bio 2015

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