Resume

​​​​​FRED COSGROVE
717 Stonecastle Place Nolensville, TN 37135            (615) 545-9621          Email:FredCosgrove@gmail.com 
                         

Affiliate Broker, Nashville, TN, 2005 – Present (Real estate brokerage, serving real estate investors.)
Managing Rental Property

  •  Performing all aspects of leasing, rental property and tenant management.
  •  Prepare property for quick sale at highest price.
  •  Assess property for financing, lease, and sale valuation.

Adviser to Investors - Affiliate Broker

  •  Source Investment Properties and Secure investments for investors.
  •   Developed & Facilitated 120 individual sales, 209 rentals. – Counsel, communicate and collaborate, developing successful relationships –  Coordinated & communicated all aspects of investment opportunity.
  • Presented seminars and educational programs to audiences ranging from 5 to 1000, resulting in clients selecting Tennessee investments. Initiated and maintained flowing email, internet, phone, and written communications facilitating customer & client interaction.
  • Counseled and advised investors using financial projections, and organizational management plans, maintaining daily communications and databases. Distributed informational and promotional material via email and social media tools.
  • Structured a recession oriented note investment business, creating 10 – 15% investment return for investors.
  • Organized Wells Fargo Reverse Mortgage Lending partnership with Tennessee Bar Association State Convention.
  • Provided first reverse mortgage presentation to the Williamson County Association of Realtors.
  • Developed first presentation and sponsorship of Williamson County Senior Real Estate Specialists.
  • Relationship Development and networking increased middle Tennessee (20%) and Northern Alabama (25%) applications; expanding area recognition of reverse mortgages as a resource.
  • Saved thousands of dollars to companies and applicants in avoided appraisal and counseling fees through restructuring research and advising efforts.


GMAC Mortgage, Nashville, TN, 2004 – 2005 (Subsidiary of General Motors, restructured and sold in 2005, prior to the GM bankruptcy.)
Affinity Business Development Officer

  • Coordinated & scheduled seminars with companies such as Vanderbilt, CMT, Comcast, Schwan, GM dealerships, and real estate firms.
  • Presented financial and budgeting advice to affinity employees resulting in 39 completed projects.
  • Counseled clientele from a range of educational and income backgrounds in credit remediation, financing, home and investment purchases.
  • Supervised and coordinated fulfillment of educational and financing objectives for employees.


Response Mortgage Company, Portland, OR, 2003 – 2004
(A subsidiary of John L. Scott, the sixth largest independent real estate brokerage in the United States)
Internal Trainer & Loan Officer,

  • Ensured successful education for new real estate sales agents employing technology and collaborating with real estate manager to address agent education weaknesses.
  • Restructured 5 transactions for top producing agent replacing existing financing resources.
  • Presented educational seminars to external title, real estate agents and brokers in a tri-company shared resources partnership.


Wells Fargo Private Client Services, Portland, OR, 2002 – 2003 (A specialized division of Wells Fargo focused on preferred bank customers and special relationships.)
Private Mortgage Banker

  • Developed internal company relationships generating opportunities to finance real estate for preferred and new bank customers.
  • Achieved production recognition in 2002 and top 10% national recognition in 2003, serving customers in 27 states. 
  • Collaborated with group leaders; structuring and presenting workshops, seminars; counseling audiences using technology & employing evolving market and demographic data.
  • Maintained compliance and personal underwriting responsibility to $350,000 loan amount.
  • Securely maintained confidential and preferred client financial records without information breaches.
  • Facilitated service on professional organization boards and committees. Published articles in National Mortgage Broker and Oregon Mortgage Press regarding financial management and employee benefits
  • Delivered presentations and relevant education and training.
  • Maintained Series 7,6,63,66 Securities licenses.


Interstate Mutual Mortgage and Loan, Portland, OR, 1996– 2002 (Independently owned mortgage and financial services brokerage) 
Principal and Licensee                               

  • Grew financial services company from one person and a $2000 budget to seven employees and a $100,000 budget in two years, recruiting, training, and managing employees and partners.  
  • Developed agent education opportunities, consumer seminars, and referrals, providing service to clients of varying educational and income backgrounds, resulting in additional revenues and referrals.  
  • Guided clientele in transitioning financial products after loan rejection or pending foreclosure.
  • Presented workshops and seminars, cultivating working relationships and revenue.
  • Maintained brokerage licenses in three states, securities and insurance licenses in two states, and compliance with all government regulations.
  • Cooperated with FBI in identifying mortgage fraud criminals, resulting in the conviction of five and the voluntary surrender of two real estate agent licenses.
  • Served as Oregon Association of Mortgage Professionals Ethics Board member and complaint resolution committee, investigating and ruling on consumer complaints made to the Oregon Department of Consumer and Business Services. 


Military Service
US Army Reserve Medical Service Corps, 5503d US Army Hospital, Columbia, MO.Training Officer
Colorado Army National Guard,169th Field Artillery Brigade, Aurora, CO Brigade Staff Officer & Forwarded Artillery Observer
Alpha Battery, 155th Field Artillery Battalion, Greeley, CO. Nuclear Biological Chemical (NBC) and Fire Direction Officer (FDO)
Assigned to IRR and Honorably Discharged as a First Lieutenant.

Community Service
Rotary – 17 year member – extended list of community service and fund raising available.

Fundraising enabling first Rotary OHSU (Oregon Health Sciences University) Prostate Cancer Symposium

Provider support for Austin Family Business Program at Oregon State University
National Association of Insurance and Financial Advisors, “Christmas for Kids” toy drive 2000

Organizational Membership
Tennessee Association of Public Administrators - Executive Council 2015
Williamson County Association of Realtors (WCAR)  – Member (2007 – present)
SRES (Senior Real Estate Specialist) Realtor Designation (2008)


Education
TENNESSEE STATE UNIVERSITY, Nashville, TN, June 2010 – June 2013
(7,000 enrollment, HBSCU and Nashville’s only public university, 605 faculty, 42 Bachelors, 24 masters, and 7 Doctoral degrees)
Doctoral Coursework and Dissertation preparation included Contract position coordinated withTennessee Board of Regents, Office of Access and Diversity - Researching & reviewing policy initiatives, campus access and diversity, retention efforts. Completing Doctoral Dissertation – “Effects of Administrative Behavior on Student Persistence” (underway) Doctor of Public Administration –3.49 GPA, Awaiting Dissertation for PhD completion.

MIDDLE TENNESSEE STATE UNIVERSITY, Murfreesboro, TN, 2009-2010
(25,000 student enrollment, 930 full time faculty, 38 Masters,8Doctorate, and 4 Education Specialist degrees, & member of Conference USA.)Master of Education – Higher Education Administration, GPA – 4.0 Completed in three semesters while employed full time.

UNIVERSITY of COLORADO, Denver, CO,
(44 Bachelors, 66 masters, 59 Doctoral level programs- Teaching Hospital & 2 Campuses – Auraria-Downtown and Medical Center)
Internships – Office of the Lt. Governor & Mortgage Banking Production Bachelor of Arts, Economics, GPA- 3.1, University of Colorado Denver - internships; Office of the Lieutenant Governor, and Mortgage Banking.          

Accomplishments and Recognitions
Wells Fargo Leaders Club – Top 20% National production.
Wells Fargo Presidents Club – Top 10% National Production.
Wells Fargo Regional Top Customer Service Percentage Branch Office Manager.
Top Producer Awards Conference winner.
Mortgage Broker of the Year Recognition by Long Beach Mortgage.
Aames - (One Stop) Record Breaking Production Award 110% and 103% of production goals.
Rotary Couple of the Year – Recognition of community service and my wife’s support of my service.


Additional Job Skills
Listening, written and oral communication skills • Database management, contact management & retention software • Microsoft Office Suite • Internet and social networking applications • Most coffee makers.

QUALIFICATION SUMMARY KEYWORDS & DESCRIPTORS
Problem Solver, Observant, Experienced Presenter, Oral and Written Communications, Supervisor, Coordinator, Implementer, Trainer, Promoter, Evaluator, Facilitator, Manager, Counselor, Interviewer, Researcher, Counselor, Advisor, Evaluator, Seminar and Session development, Collaborator, Cooperation facilitator, Committee work, Baseline and Benchmark development and measurement,  Administrator. Researcher, Attentive, Energetic, Enthusiastic, Sense of Humor, Strategist.

 www.linkedin.com/in/fredcosgrove