JAMES VALVANO, II

5 Dogwood Place * North Caldwell, NJ 07006

201-403-3042 * jv5c5e6a@westpost.net
Objective:
An upper level executive management or legal position where I can use my regulat
ory compliance, licensing, business development and operations skills to help a
financial institution.
Executive Summary:
* A talented attorney who represents high visibility clients in regulatory compl
iance, structured finance which also encompasses managed examinations and audits
with state and federal regulators, as well as licensing.
* An attorney who personally knows current and former state regulators in NJ, NY
, CT & FL and federal regulators regarding lending practices and bank compliance
.
* An attorney who has attained state, federal, and FHA licenses for lending inst
itutions.
* An MBA extremely well versed in all aspects of corporate and business finance
and insurance.
* A visionary businessman who has opened and successfully operated three vertica
lly integrated businesses operating in four states.
* A dynamic negotiator and business generator with highly effective sales and pr
esentation skills and absolutely no fear when approaching compliance issues at t
he highest levels.
Professional History:
Principal, Valvano & Cooper, LLC, 1997 to present
Founder and sole shareholder of a law firm which operated in four states (NY, NJ
, CT and FL). The firm specializes in regulatory compliance and structured finan
ce which also encompasses managed examinations and audits with state and federal
regulators; banking and insurance licensing, we represent banks, brokers, devel
opers and REIT's in various real estate issues; we have handled over 7,000 real
estate transactions and more than $1 billion sales and issued expert opinions on
insurance/regulation matters in high profile litigation for large law firms.
* Also represent lenders on matters including securitized and conventional mortg
age loans, interim and mezzanine loans, construction, and commercial loans. Hand
led purchase, sale, transfer and defeasance of mortgage loans.
* Represent Fortune 500 and other businesses on real estate acquisitions and div
estitures, security offerings for condominiums and cooperatives, property owner
associations, title insurance matters, commercial leasing, insurance coverage, c
ontract issues, title disputes, development and land use issues, financing and t
ax liability.
* Extensive knowledge of federal and state laws impacting mortgage lending such
as HMDA, TILA, ECOA, FCRA, FDCPA, RESPA, the Fair Housing Act, the Homeowners Pr
otection Act, and predatory lending laws.
* In depth understanding with the HAMP program and other government sponsored lo
ss mitigation programs, FHA loans, and the GSE seller and servicing rules.
* Regularly retained by McCarter & English, NJ's largest law firm, to issue expe
rt opinions for high value insurance ($20-200 million) litigations.
* Built and maintain client relationships with Mack-Cali, Reed Smith, Edwards An
gel, Hovnanian, Kara Homes, WCI Properties, Realology (formerly Cendant), Bergma
n Realty, McCarter & English, Greenberg Taurig and various entertainers and thei
r holding companies, on transactions ranging from $5-$30 million.
* Represented a major corporation in a complex NYSE merger
* Starting from scratch, quickly became the real estate closing attorneys for 40
lending institutions, including JP Morgan Chase, Wells Fargo, Merrill Lynch, Tr
ump, Commerce Bank, etc. Through effective personal marketing, became one of onl
y seven attorneys in New York State to represent Countrywide in real estate tran
sactions.
Principal, American Universal Insurance, LLC, 1999-present
To speed up the closing process, established a company selling property & casual
ty, life, and health insurance, as well as title insurance. Handled all aspects
of obtaining licenses in New York, New Jersey, Connecticut & Florida.
* Have conducted more than 6,000 insurance sales.
* Have issued property, casualty, life and health insurance policies for clients
like Met Life, Blue Cross/Blue Shield, The Hartford, CNA, Encompass, etc.
* Responsible for all licensing, bonding, insurance, regulatory compliance, exam
inations and audit work at the state and federal levels.
Principal, American Universal Mortgage, LLC, 2003-2010
Sole owner of a licensed mortgage broker in NJ, NY, FL & CT. Arranged more than
$750 million in loans. Completed audits for all four states and for the FHA; mai
ntained compliance with all federal and state statutes.
* Personally marketed and recruited many banks to grow the business.
* Recruited top-producing loan officers from rival companies.
* Changed software programs to enable employees to access all loan papers while
on the road.
* Attained "mini-eagle" FHA license from the Federal Government.
Manager, Trust Administration, Chase Manhattan Bank 1992-1993:
Trust Accountant for the $3 billion IBM pension trust fund. Responsible for all
of the fund's proxy voting, and for keeping the fund in compliance with ERISA re
gulatory requirements.
* Worked with fund managers outside our bank regarding specific trades such as G
oldman Sachs, State Street, Barclays, Lehman Brothers, etc.
* Calculated all types of return rates and projections.
* Managed a team of 20 professionals to ensure satisfactory completion ERISA 910
0 reports and Form 5500 to ensure successful compliance with all audits.
Assistant to Money Manager, Summit Financial Resources, 1990-1991
Worked with clients on specific trades, rates of return and the like. Also follo
wed up with sales leads and set appointments for the VP of Investments.
Education:
J.D., Thomas M. Cooley Law School, 1996
* Scholarship recipient
M.B.A. in Accounting, St. John's University, 1991
Master's Candidate in Media Relations, Fordham University
B.A. in Finance, Hofstra University, 1989
Bar Admissions, Licenses and Memberships:
Bar Admissions: New York, New Jersey, Florida and the District of Columbia.
Federal Admissions include: Northern, Southern, Eastern and Western Districts of
New York, the District of New Jersey, and the Northern, Middle and Southern Dis
tricts of Florida.
Professional Licenses: Insurance Licenses in New York and New Jersey for Title,
Property & Casualty and Life & Health. Real Estate Broker New York, New Jersey
and Florida, Licensed Builder in New Jersey. Mortgage brokers' licenses in NJ,
NY, CT and FL were surrendered in 2010 when those businesses were closed.
Memberships: Marco Island Civic Association; Marco Island Board of Realtors; Flo
rida Association of Realtors, Orange/Rockland County Association of Realtors, Ne
w York State and National Association of R