Richard Scholtz

Creating Debt (Loans) - Twenty-plus years of structuring and negotiating loans from origination to funding. Thoroughly familiar with Commercial finance and Residential Mortgage Banking. Financed Airbnb’s - Warehouses – Self Storage – 30 Property blanket portfolio loans - Dome Homes – Non-Recourse Loans inside an IRA/Pension – BRRRR facilitator and the usual day-to-day investment loans. Prior experience marketing intangible financial services, mortgage products, and leasing and capital finance. Clients included business and consumer markets such as home-builders/land developers, small institutions, and retail clients. Located prospects, uncovered their needs, and serviced the account through the processing, underwriting, and closing of their financing. Selling Debt (Bonds) - Ten years as an AVP Securities Broker and restricted (144) stock specialist for Morgan Stanley I was entrusted to recommend investments and manage their retirement savings as an investment broker. Served various corporations in the area of cashless stock options. Structured Bond ladders for fixed-income accounts and pension accounts to capture yield while not extending maturity. My fixed-income knowledge was best suited to conservative retirement accounts and small institutions.