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Work Background
Rios Business AdvisorsChief Executive Officer
Jan. 2024Maricopa, Arizona, United StatesAs a Business Intermediary with **Transworld Business Advisors: Business Services**
As an Advisor I provide a comprehensive suite of services tailored to meet the diverse needs of business owners and entrepreneurs. Offer expert guidance and support to help you navigate every aspect of buying, selling, or growing your business. From business sales and valuation to buyer representation, franchise consulting, financing, exit planning, and business consulting, I have the expertise and resources to help you achieve your goals. Contact me today to learn more about how I can assist you in achieving success in today's competitive marketplace.
Rios Financial GroupChief Executive Officer
Sep. 20022301 S. Stearman Dr. Chandler AZ 85286Financial Planner and Tax Preparer
In association with Calchoice Financial www.calchoicefinancial.com help individuals increase their net worth by increasing their income and decreasing their taxes, give a customized plan to our clients to guide them through their financial life goals and objectives. Help individuals put their tax refund to work by helping them start their own businesses. Achieving the American dream of home ownership is our priority and if they suffered through the debacle of 2008 help them clean up their credit to put them in a better position to make better financial choices.
AdvisoryCloudAdvisor
Jan. 2020
Rios Financial Group LLCBusiness Consultant
Sep. 2014Chandler, ArizonaThe biggest hurdle small and medium business owners have is in managing and having the proper systems in place to give the maximum return on investment and maximize efficiencies. I analyze the company business systems, payroll solutions, capital funding needs, web management and brand reputation, shipping costs, merchant processing and accounting to offer corporate big business discounts on a small business budget. I am your partner in progress!
Next Level Business Consulting Group (A Next Level Business Concepts Group Company)Managing Partner
Jan. 2019 - Feb. 2024Mesa
Streets of Joy Financial Services LLCDirector of Finance and operations
Apr. 2018 - Dec. 2018Mesa, AZ
Chapman Mesa Auto GroupSales Consultant
Sep. 2016 - Apr. 20171208 W Broadway Rd Mesa AZ 85204Focus on marketing and catering to the underserved Hispanic market to offer alternatives in financing their vehicle purchase. Assist clients with bad credit, bankruptcy and history of repossession to get a fresh start with in-house financing. For those with excellent credit we offer financing through our established bank and credit union relationships to structure the best financing for the client.
COMPASS CLEANING SOLUTIONS - "Setting A New Course For Commercial Cleaning"Franchise Sales Manager
Dec. 2014 - Nov. 2015Tempe, ArizonaConduct franchise presentations and answer all questions relating to the purchase of a Compass Cleaning Solutions commercial cleaning franchise. Manage the follow up process for potential franchise owners, ensuring that all sales franchise goals are met. In conjunction with executive staff, mentor new franchise owners to ensure their success through the Compass Cleaning Solutions Business Management Training Program and fulfillment of initial business packages.
Financial needs analysis performed to determine proper finance methods for purchase of franchise and evaluate and make recommendations concerning franchise owner advertising and marketing.
Wells FargoAuto Finance Specialist
Jun. 2013 - Oct. 2014Tempe, ArizonaWork with current Wells Fargo customers and Automobile dealerships to help finance new purchases as well as refinancing automobile loans. Focus on debt restructuring and finding the best benefit for the client. Lend up to 130% of the value of the vehicle based on year, make, model and profile of the client.
UBS WorldwideUnderwriter/ Loan Officer
Jun. 2012 - Jun. 2013Phoenix, Arizona AreaContract Underwriter (Conventional/FHA/VA) Underwriting 90% Conventional purchases and refinances 5% FHA underwriting, 5% Government Assisted loans such as HARP 2.0. Using AUS systems such as DU and LP to get approvals and submitted conditions based on credit, asset, collateral, and income requirements to satisfy Fannie Mae or Freddie Mac’s guidelines. Underwriting decisions based on company quality, risk, and control plans, responsible for reviewing financial statements, applicable ratios, credit reports, examining and evaluating transitions to certain accuracy, fraud detection techniques, report preparation, re-negotiation of loans, compliance review administration, providing performance feedback, communicating with customers, provide training and guidelines to junior staff.
BHS Investments and ConsultingSales Consultant
Jan. 2011 - Jul. 2012PhoenixThrough various marketing programs and Spanish radio I assist the company in advising clients of the best routes to take with regards to the home buying process. In a consultative approach I meet with the client to assess the needs of the client and find solutions to their situation. The company offers the following services; Credit Cleaning, Bankruptcy, Mortgage loans, Real Estate, Rental Homes, Investor Services, and Insurance services. Having the experience in real estate, mortgages and insurance allows me to better direct the client in the route that is most advantageous to their needs.
Rios Financial Group LLCOwner
Aug. 2002 - Jan. 2012Financial Services firm that specializes in securing insurance for Home, Auto,Life and Health Insurance. Work specifically with brokers, financial planners, accountants, bankrutpcy lawyers, and business brokers to offer a Mortgage and Business protection insurance. Consult with Hispanic business owners on the best avenues to advertise in the hispanic sector through online, print media, or direct mail to increase sales volume and retention of past clients.
Real Estate Agent, Licensed Life Insurance and P/C insurance agent.
Oxford Global ResourcesSW/HW Technical Recruiter
May. 2010 - Jan. 2011· Working with Software and Hardware sales teams to pursue qualified contractors for short to long term projects throughout the nation for small to medium size businesses and fortune 500 companies looking for Technology professionals such as Java Developers, Architects, Business Analysts, Software, Hardware and Quality Assurance Engineers.
· Meeting with individuals seeking employment and maintaining accurate records to help match them with the appropriate job match. · Discussing and learning policies of the various employment opportunities to be able to discuss these with potential job candidates. · Networking and outreaching to colleges, universities and training centers to continually market the services of the employment agency. · Maintaining contact with sales department managers and personnel to help match the contractors' skills with vacancies on the market. Developed sourcing strategies that targeted the passive candidate.
· Ability to effectively and efficiently manage internal clients and internal/external candidates with a consultative approach. · Ability to manage high volume recruiting activity (Up to 20+ open Staffing Requisitions) · Excellent knowledge of technical skills, technical job market, and recruiting techniques, and employment policies and procedures.
Foundations Investment GroupAsset Manager
Mar. 2008 - Aug. 2008We open the door for people to dream of an enriched and abundant life. By educating our clients on how money really works, how to think like a bank, and how to apply time tested financial industry standards to their own wealth plan. We provide an analysis of current investment holdings and strategies and offer options and alternatives that empower and provide the path to building and enhancing our client's financial positiion. We do this for those seeking financial independence through the proven results and security provided through state-of-the-industry real estate backed investment products.
Citigroup/CitimortgageEmerging Markets Account Executive
Oct. 2005 - Dec. 2007Sold conforming, Alt-A, and sub-prime products to a broker base of 35 with average monthly funding's of $2 million. Main focus was on the emerging market arena selling the My Community product with close interaction with Fannie Mae and Freddie Mac to expand the product in the Hispanic market. Major emphasis was placed on pre-underwriting every loan to adhere to the guidelines that Citimortgage, Fannie Mae, and Freddie Mac had in place to keep the continuity of the product going and the fluidity of the loan pipeline. Kept close contact with the broker coordinator and the broker to ensure that all files were going through the pipeline smoothly. Coordinated training presentations to inform the brokers on the changing market and instruct the client on how to register and get an automated approval online from DU, LP, or our AUS system. Instructed brokers on the advantages of putting deals through FHA and the guidelines to help them understand the program, helped the broker understand the importance of marketing to generate future business by offering sales tools that the company provides in turn generating consistent monthly business for the company.
Citigroup/CitifinancialBranch Manager
Oct. 1998 - Sep. 2001Managed a retail branch that generated over nine million dollars a month in closed loans, with a staff of five people. Closed real estate loans, equity loans, and personal property loans.
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