George
Lane
and Associates
About Libby Lane
Education
Florida State University
Bachelor of Science – Finance Major
Graduated Cum Laude, April, 1983
Finance GPA – 4.0/4.0 Overall GPA – 3.7/4.0
Employment History
Tallahassee Lenders Consortium, March 2005 – Present
Serve as Executive Director and Principal Mortgage Broker, responsible for planning and management of the daily activities of the nonprofit regarding credit counseling activities, pre- and post-purchase homebuyer education, financial literacy/budget counseling, lending activities, and affordable housing production. Oversight responsibility for financial management, program performance standards, reporting and information tracking. Direct responsibility for staff supervision, program marketing activities, the development of affordable housing and for providing reverse mortgage counseling. Provide administrative support for bi-monthly board meetings and board committees. Develop partnerships with local government, lenders, realtors, and builders.
George Lane and Associates, April 2004 – March 2005
Joined my husband’s government, media and public relations consulting business as an Associate. Clients included Aqua America/Aqua Source of Florida (Philadelphia Suburban Water Company), Florida Rural Water Association, The Academy of Florida Trial Lawyers, The Republican Party of Florida, West Florida Electrical Cooperative Association, The Arcadia Rodeo Association.
Florida Department of Community Affairs, (DCA) February, 1996–April, 2004
June, 2003-November, 2003 - Served as Acting Division Director for the Division of Housing and Community Development with oversight responsibility for the coordination and delivery of state and federal programs and supervision of 68 employees.
Program Administrator for the Small Cities Community Development Block Grant Program, responsible for the successful administration of approximately $60 million of federal funds annually in the areas of Housing Rehabilitation, Commercial and Neighborhood Revitalization, and Economic Development. My duties encompassed supervision of the daily operations of the unit, including directing and motivating 15 employees, ensuring accuracy and compliance with assignment deadlines, preparing annual work plans and evaluations, and establishing performance criteria. I was responsible for program and contract development and management, the preparation of annual legislative budget requests, policy development, public relations, marketing, and the coordination and development of procedures and administrative rules. Served as Advisory Council liaison. I also served as the Department’s Emergency Coordinating Officer, involving inter- and intra-agency coordination during natural disasters such as hurricanes and wildfires, terrorist activities and other catastrophic events.
My previous position within DCA was Program Administrator for the Housing Unit. I was responsible for the development and implementation of affordable housing policy, the coordination of the delivery of state and federal affordable housing resources and programs through establishing partnerships with housing providers, and the provision of technical assistance. I served as the staff director for the Affordable Housing Study Commission, a governor-appointed board whose mission is to encourage public-private partnerships and governmental coordination, promote research on affordable housing issues, educate the public and government officials on the benefits of affordable housing and develop strategies to address the housing, economic and social needs of Floridians.
As the previous Program Administrator for the Economic Assistance Unit, I was responsible for the administration of the Affordable Housing Catalyst Program, the Community Development Corporation Support and Assistance Program, the Federal Enterprise Community Program and the Revitalizing Urban Neighborhoods Program.
During my tenure at the Department, I received a special project assignment to work with Governor Bush and his staff on the Front Porch Florida Initiative. I was responsible for developing partnership relationships with State Agencies, Local Government Officials and community leaders to identify resources and secure funding commitments to finance comprehensive revitalization and economic development projects. Held public neighborhood meetings, provided direct technical assistance, and assisted the communities in identifying priorities for change and in developing a holistic blueprint for change (Neighborhood Action Plans). Analyzed data and evaluated performance outcomes.
Guaranty National Bank, May, 1994 – February, 1996
Hired as a Mortgage Loan Processor; promoted to Mortgage Loan Officer; promoted to Manager of the Real Estate Department. Responsible for the daily operations of the Residential Real Estate Department. Responsible for public relations and business development, promoting loan products and office productivity. Prepared and analyzed weekly “pipeline reports”. Made recommendations to the Board of Directors related to meeting bank goals and objectives. Examined the financial condition of potential mortgagors; analyzed loan requests; made underwriting recommendations to the loan committee. Provided explanations to the general public and real estate community on various mortgage products.
City of Tallahassee, Department of Community Improvement, September 1993 – February 1994
Hired as a Housing Assistance Supervisor. In this position, I worked with lenders, a community advisory board and local government officials to develop and incorporate non-profit lenders consortium designed to offer housing counseling, first mortgage loans with flexible underwriting guidelines, and second mortgage loans to assist with down payments and closing costs. Duties included chairing meetings with participating lenders, negotiating and developing consensus among lenders for standardized terms and working with the Community Development Advisory Committee and the Housing Trust Committee. Duties also included analyzing and underwriting loan files, and preparing City Commission agenda items.
Florida Housing Finance Agency, July 1990 – September 1993
Hired as Planning Manager; promoted to Community Program Administrator. As Community Program Administrator, I was responsible for planning, developing, administering and evaluating the Single Family Mortgage Revenue Bond programs. Developed administrative rules and procedures. Developed the Lease/Ownership Revenue Bond Program, the HAP Construction Loan Program, and the HAP Down Payment Assistance Program. Performed bi-annual audits of the Agency’s Servicing Bank (Kislak, Miami).
Southeast Bank, December 1988 – March, 1990
Hired as a Commercial Loan Officer. Responsible for public relations, business development, portfolio management and credit analysis (P&L, Balance Sheet, Cash Statements and Ratio Analysis). Concentrated on credit quality, portfolio growth, customer recruitment, public relations and cross-selling bank services.
Florida Department of Commerce, September 1986 – December 1988
Commercial Loan Officer/Financial Development Representative. Responsible for administering the Florida First Capital Finance Corporation (FFCFC). Responsible for implementing a formal 504 Lender Commitment Program within Florida, through fund raising efforts, with commitments totaling over $41million. Counseled businesses throughout Florida on expansion, job creation and financing options. Concentrated on business development, in-depth commercial loan analysis (P&L, Balance Sheet, Cash Statements and Ratio Analysis) and economic development options for expanding Florida businesses. Developed and implemented a statewide marketing strategy for business expansions utilizing the Small Business Administration’s 504 Loan Program. Marketing activities included personal solicitation calls to lending institutions, commercial realtors and community organizations throughout the State; marketing presentations to civic groups and professional organizations; and participation in conferences and workshops. Provided technical assistance and information to new and expanding businesses concerning available loan programs and financial alternatives. Analyzed and packaged loan requests and recommended loan disposition to both the FFCFC Board of Directors and the Small Business Administration. After resigning my position with the Department of Commerce, I served on the Board of Directors for FFCFC. Recipient of the Distinguished Sustained Achievement Award in 1987 ($500award). (Award presented to me by Governor Bush, then Secretary Bush.)
Investors Home Mortgage Corporation, January 1986 – September 1986
Residential Mortgage Loan Officer. Responsible for public relations, business development. Established relationships with realtors and builders. Marketing efforts included personal solicitation calls to local real estate professionals, sales presentations and new realtor education seminars. Provided explanations for various mortgage loan programs. Responsible for financial and credit analysis of the potential mortgagor. Supervised a staff of four.
Andrew Jackson Savings and Loan Association, March 1985- January 1986
Residential Mortgage Loan Officer. Responsible for business development and for financial and credit analysis. Specific marketing activities are identified above. Supervised two loan processors.
Knowledge, Skills, Experience & Abilities
People/relationship skills; supervisory skills; active listening skills, effective oral and written communication skills; analytical and organizational skills; financial analysis techniques; computer skills, experienced in business plan development, residential and commercial lending; underwriting experience.
Achievements/Associations
Florida Mortgage Brokers License
Recipient of Certificate of Appreciation for outstanding and dedicated service as Acting Director of the Division of Housing and Community Development and a $1,000 Award
Recipient of the Department of Community Affairs first bonus for superior accomplishments – 2002 ($500 award from Governor Bush)
Recipient of the Florida Department of Commerce Distinguished Sustained Achievement Award – 1987 ($500 award from Secretary Bush)
Responsible for implementing a formal 504 Lender Commitment Program within Florida for small business expansions resulting in commitments of over $41 million.
Responsible for developing and incorporating the Tallahassee Lender’s Consortium.
Responsible for assisting in the development of the Front Porch Florida Initiative and securing funding commitments to finance revitalization projects.
Responsible for restructuring the duties of DCA’s Emergency Coordinating Officer – Developed teams and processes; automated the Florida Emergency Information Line selection process.
Named Co-chair of Grant Programs for the DCA/DOS Transition Team
Harvest Chapel PH Church
University Club at Florida State University
Outstanding Young Women of America Award – 1991
Florida First Capital Finance Corporation (Director-1989; Sec./Treasurer-1988, 1989)
American Institute of Banking Director – 1989
Florida Economic Development Council