Executive CV

WAYNE S. REPICH

WHAT I’VE BEEN UP TO:

I learned about the strength you can get from a strong family. I learned to keep going, even in bad times. I learned not to despair, even when my world was falling apart. I learned that there are no free lunches. And I learned about the value of hard work. In the end, you’ve got to be productive; that’s what made this country great –– and that’s what’s going to make us great again. ––– Lee Iacocca

INTRODUCTION: Whether running a $2-billion publicly traded corporation, or operating one of the four real estate and mortgage companies I’ve launched, I thrive on the challenge of turning a vision, an idea, a dream, into a tangible, profitable and highly visible reality.

I am a builder ––– a builder of teams, opportunities and businesses. I have excelled at just about everything I’ve done, rising to the pinnacle of whatever activity captures my attention, typically on a very fast track. Being ‘along for the ride’ doesn’t interest me; rather, that specific, tangible thing we call t-h-e g-o-a-l is my overriding destination.

SUMMATION: I’ve been an entrepreneur most of my life ––– and yet, at the same time, I’ve worked in partnership with more people, been the leader in more diverse situations, than anybody I know. What this says about me is that I thrive on challenges, and ‘insurmountable problems’. I truly disdain predictability and caution, without just cause. I am a master at networking and building relationships – I can get through to anyone. I love the intangible element of surprise and cannot imagine being spontaneous, or innovative, without it. Holding this thought, I also maintain a strong belief that opportunity is something we must consciously create. It may indeed come knocking ––– but it’s up to us to provide a big door.

Think like a wise man, but communicate in the language of the people. ––– William Butler Yeats

FOREGROUND: Broker / Founder / Partner
Sept. 1988 to 2008, Vanguard Financial Ltd., Concord, California
ORIGINATION & SOURCING: Extensive B2B and B2C experience in both retail and wholesale channels. Mortgage banking & brokerage for residential and commercial real estate clients, with funding through institutional, joint-venture and private money channels.
MANAGEMENT: - Direct reports of up to 11 managers and 400 employees. Regular contact with investment banks and private equity at a senior level for sourcing capital. Operate mortgage banking and brokerage activities, commercial purchase-acquisition transactions and financing for selected builder and developer clients. Brokered approximately 3500 mortgage loans totaling over $950 million. Responsible for staff hiring, development and training, broker of record responsibilities and industry speaking engagements.
MERGER & ACQUISITIONS: – Complete control of a successful integration of two national mortgage banking operations (southern California and New Jersey) into our Walnut Creek based public company over a three month period, with duties encompassing systems and management integration, human capital assessment and hiring/retention of senior management, product and program alignment, and operational repositioning. Assisted CFO with restructuring internal financial reports and CTO with technology interfaces. Oversaw e-commerce companies, mortgage banking and brokerage, call center and loan servicing division ($600 million portfolio). Provided leadership for agency, warehouse and other secondary market relationships. Negotiated with warehouse banks for proper lines post-integration, and oversaw contractual amendments with national correspondents and Federal agencies. Other responsibilities included sourcing new acquisitions, due diligence and establishing the tone and scope for marketing and advertising of the new entities.
SALES & MARKETING: - Manage full-scale marketing and sales firm for select Northern California developers. Provide comparative analysis, market research, formal critique of plans and designs, promotional and advertising support, media selection and management, marketing sales office design, and professional sales staff. Responsible for all sales training and implementation of innovative marketing strategy and sales plan. Provide land brokerage and analysis services for major builders.
CONSULTING & BROKERAGE: - Act as broker throughout California and Nevada on land transactions of over $100 million. Contracted on a fee basis as consultant for marketing and sales programs, land use planning, and product development/design. Furnished market and consumer research to builders.

PRIVATE EQUITY: Co-founded a private money lender. Responsible for everything from raising capital and investors, to underwriting and servicing loans, totaling over $10 million. This entails property inspections, client and investor relations, reviewing contracts, construction management and oversight, and structuring viable transactions. Handle all foreclosure and default proceedings.

Why do so many people dread adversity, when it is only through adversity that we grow stronger?

––– John Wooden

BACKGROUND: Director of Marketing, Gallus
August 1987 to September 1988, Pleasanton, California
Responsible for new business development (new home sales and marketing) in Northern California; provided market research for Gallus clients (comparative analysis, demographic trends) including critiques of existing subdivisions not being marketed by Gallus. Involvement in land brokerage; regularly attended BIA and SMC functions and seminars in three Northern California jurisdictions; introduced other divisions of company (land brokerage, market research) where the possibility of marketing and sales was limited or non-existent.

BACKGROUND: Loan Officer, Financial Center Mortgage
June 1986 to September 1987, Pleasanton, California
Responsible for developing contracts in new market area for retail residential and small commercial mortgages. Worked with Realtors as well as through direct solicitation; also cultivated CPA’s, CFP’s and bankers as additional referral sources. Handled several large commercial properties including office, motel, multi-purpose buildings and land development; cultivated new funding sources; prepared layout and presentation of commercial loan packages. Utilized extensive follow-up and networking procedures for client prospecting and retention.

The test of dedication is the love of the drudgery involved. ––– Dave Brubeck

BACKGROUND: Bachelor of Science - Psychology
Santa Clara University, 1983
I have attended a host of business, self-improvement and industry related courses from 1986 to the present. Regular Attendee at CAMB, NAMB, MBA, CMBA, BIA, BIA-SMC, and NAHB functions since 1986.

BACKGROUND: Other positions have included Finance Company Branch Manager, Front-Desk reception at two hotels, Maitre’D, Waiter, Restaurant Manager, High School Music Teacher, Construction including masonry and landscaping, Resident Assistant, Resident Director, Assistant Director of Housing (University).

DETAILS:
TRADE PUBLICATIONS: Author and/or featured in articles on fiduciary responsibility, loan origination, equity loans, leadership, training, etc. in various local, state and national trade publications, newspapers and on the Internet. Interviewed in Origination News, Managing Mortgages, Mortgage Matters, Secondary Marketing Executive, Mortgage Originator.
CONSUMER MEDIA: Interviewed and/or featured in various local newspapers throughout California, and nationally (LA Times, Chicago Tribune, Birmingham News, et. al.) and through syndicated real estate columns and radio regarding mortgage related activities. Interview in August of 2007 with the Associated Press correctly identifying the far-reaching impacts to housing, financial, credit and employment markets.
EXPERT WITNESS: Certified as an expert on mortgage origination, agency, due diligence, common business practices and standards of care in California Superior Court.
PUBLIC SPEAKING: Public speaker on mortgage related topics, fiduciary responsibility, agency, broker-lender agreements and legislative issues at various local, state and national forums including testimony before California Senate Housing Committee, and featured speaker before US Federal Reserve Bank’s Mortgage Credit Partnership.
CONSULTING: Served as consultant for various builders/developers; provided Sales & Marketing Reports, Demographic Analysis, Sales Office Design and Sales Office Staffing Reports, as well as Sales Staff Critiques.
COMMUNITY SERVICE & ACTIVITIES: Have been active in, and/or running and organizing the following organizations: Big Brother Program (United Way), Summer Camp Director & Counselor (United Way, Camp Fire), Special Olympics Basketball Tournaments (Santa Clara County), Mexican Orphanage Christmas Visit, Santa Clara Community Action Program (SCCAP). Music and Marching Band Instructor (St. Francis High School, Mt. View, CA). Active in political campaigns on finance committees, and fundraising efforts for various local, state and national politicians. Member of Contra Costa County Sheriff’s Posse. Founding Benefactor John Muir Festival Association.

The will to win is important, but the will to prepare is vital. ––– Joe Paterno

PROFESSIONAL LICENSES:
Licensed California Real Estate Broker: # 00977999 exp. 10-16-2012
Licensed Nevada Real Estate Broker-Salesperson: # 0001469 exp. 4-30-2011
Licensed California General Contractor: # 560538 exp. 3-31-09

AFFILIATIONS, AWARDS & BOARD APPOINTMENTS:
CAMP = California Association of Mortgage Professionals
NAMB = National Association of Mortgage Brokers
CMA = California Mortgage Association
President - CAMP 1996 - 1997
CAMP “Mortgage Professional of the Year” awarded 1994 - 1995
CAMP “Presidential Award” Recipient 1995 - 1996
Director, Stewart Title of Contra Costa: Board of Directors 1993 – 1994
Director, Contra Costa Newspapers, Publisher of Contra Costa Exclusive 2004 – 2006
NAMB Delegate Council Member 1996 - 1997
NAMB Broker Agreements Committee Chair 1996 - 1997
NAMB Legislative Committee, CA. Liaison for Federal PAC 1996 - 1997
Treasurer-CAMB Chair/Member of Finance Committee 1994 - 1996
Officer & Director-CAMB Board of Directors / Executive Committee 1994 - 1998
CAMP Statewide Affiliates Advisory Committee-Co-Chairman 1994 - 1995
Member 1993 - 1994, 1995 - 1996
CAMP/MIXSTAR System Operator (SYSOP) 1995
CAMP Editorial Advisory Board Member 1994 - 1995
CAMP Technology Committee Member 1994 - 1995
CAMP Convention Planning Committee Chair/Member 1994 - 1996
CAMP Member since 1991/NAMB Member since 1992
California Association of Mortgage Professionals, East Bay Chapter:
“Outstanding Member of the Year” 1994 - 1995
CAMP, East Bay President-Elect 1994 - 1995 (resigned due to CAMP State position)
CAMP, East Bay Vice-President 1993 - 1994
Officer & Director, CAMP - East Bay Board of Directors 1993 - 1997
Chairman CAMP, East Bay Lender Relations Committee 1992 - 1993
Member CAMP, East Bay Subcommittee on Workers Compensation Reform

The greater the difficulty, the more glory in surmounting it. ––– Patricia Neal

LIFE AFFIRMING EXPERIENCES: Made my debut on August 29th, 1961 in Hackensack, New Jersey. Grew up in New Jersey, New York and Connecticut before heading to California for college. Passions and interests I cannot live without include theatre and film festivals, reading, art and cultural events, writing lyrics, Foundation Maeght, spontaneous travel, intelligent conversation, NYTimes, practicing tolerance, encouraging diversity, reading, successful ventures, reaching potentials, drum & bugle corps, (did I mention reading?) studying the Tao, learning more about Urbanism, investing, collecting rare books and art, and exploring new challenges. I've also cycled in ultra-cycling events, and have rode in numerous centuries, double centuries, etc.

Outside of a dog, a book is man’s best friend. Inside of a dog, it’s too dark to read. ––– Groucho Marx

READING HABITS: It might be bit of an understatement to call myself a voracious reader. Had I invested in Berkshire Hathaway stock what I invest in my library, I’d be a very wealthy man. I have historically read 5 newspapers a day (NYTimes, WSJ, IBD, Barrons and local), and 20 business and trade periodicals a month. Typically I read 40 to 50 books a year. These are some of the books which have most impacted my life.

The Magic of Thinking Big by David J. Schwartz
My “Think and Grow Rich.”

Think and Grow Rich by Napoleon Hill
A classic read.

Moments of Truth by Jan Carlzon
So simple a concept ––– it defines a ‘tipping point’ in sales.

The Pursuit of WOW, and Re-imagine! by Tom Peters
Still reminds me to think of things simplistically, and how small things can be remarkable in their success.

Born Free and Equal by Ansel Adams
Confiscated and burned by the Army, a dark time for us and the US… the story of Manzanar.

Mastery by George Leonard
I was so glad that someone finally wrote a book about achieving higher levels of excellence.

A PARTIAL LISTING OF RECENT FAVORITE BOOKS:
Emotional Intelligence and Working with Emotional Intelligence by Daniel Goleman
Blink and The Tipping Point by Malcolm Gladwell
The Only Three Questions that Count by Ken Fisher
The Death and Life of Great American Cities by Jane Jacobs

SOME OF THE PEOPLE I ADMIRE:
Leo Buscaglia . Mukhtar Mai . Lee Iacocca . Dr. Laura . John Wooden . Dr. Sally Ride . Martha Stewart . Peter Ueberroth . Nicholas Kristof . Richard Branson . Steve Jobs . Joe Paterno . Steve Forbes . Simon Winchester . and those who create, build, and make the world a better place.

MOVIES WORTH SEEING AGAIN:
“Red”, Krzysztof Kieslowski (from the Trilogy “Red, White, Blue”.)

“Stripes” (so many good lines. . . and it's a true story!)

“The Mighty”, and “Simon Birch” (illustrating that the idealism of childhood dreams never really goes away; both of these movies were so poignant, and had superb young actors.)

“Love Actually” (I watch it at least once a year.)

“West Side Story” (Jerome Robbins’ choreography is mesmerizing…)

“Charade” (…and Audrey Hepburn is like Robbins’ choreography.)

There is no pillow as soft as a clear conscious. ––– John Wooden