KEVIN O’FLAHERTY: Today we’re going to talk about asking the right question of your client or customer. Thanks for being with us today, Bill.
BILL CHU: Thank you, Kevin.
KEVIN O’FLAHERTY: Tell us a little bit about yourself and your background.
BILL CHU: Sure. In terms of my business, I’m a mortgage broker with Wintrust Mortgage here locally in the western suburbs; I’ve been in my business for more than a decade. A common question I get from either clients and/or business partners is what is your specialty, what is your niche. My niche, as I look back at my ten years of producing in this business, really is to help clients especially ones with complicated financials. So finance whether it be their first home purchase or their ongoing home purchases.
KEVIN O’FLAHERTY: So if you come across someone who isn’t a picture perfect candidate for a loan at first blush, you can work with them to get their financials in order and try to get them qualified for them; is that basically what you’re saying?
KEVIN O’FLAHERTY: I’m joined by Amanda Hark from Heartland Bank, and tell me again -- 504 loans; is that the topic today?
AMANDA HARK: SBA 504 loans, yes.
KEVIN O’FLAHERTY: Okay, SBA 504 loans. Amanda was telling me about that yesterday, and it seems like a great deal and a great way to refinance your existing commercial loan. Amanda, I’m going to let you take it away. Let’s start by telling me little bit about yourself and what you do.
AMANDA HARK: Sounds good. I currently work for Heartland Bank and Trust. I’ve been in banking since 1998. I started out as a teller, worked my way up, was in credit for many, many years. I really do think that that is what creates a good banker is having a firm knowledge of financial statements, and accounting, and all of that stuff. After I did that, I decided I know a lot of people; I like numbers; but I really, really enjoy people, small businesses. It’s time to be a loan officer.
JIM WASZAK: Mohammed is a very interesting fellow who has done a lot of different things. He’s owned five different businesses; he was at one point a news anchor in Houston; and is now focused on a company called Center for Strategic Solutions. The real mission of it is to get people back to work create more jobs in the States. He has worked on reshoring programs, which is bringing items back into our country to manufacture, and has become in this process kind of a guru of knowing about government programs that can actually help companies.
Often we hear the worst thing that can happen is somebody walks in your door and says, “Hey. I’m from the government, and I’m here to help.” We joke about that, and there certainly are enough things the government does to get in the way of small business owners, but there are some things that the government actually can do to help. So, Mohammed, why don’t you give us -- What drove you into this work?
MOHAMMED FAHEEM: Thank you for bringing me on here. What brought me to this -- Long story short, it was purely by accident. What brought me into business was by accident. I was working with Fisher Scientific for their light signals, Fisher Scientific division. Three years out of college worked with them in the Middle East, came back to the country, got married. My wife didn’t want to go back to Saudi Arabia, so we stayed over here. First year in Chicago had a head on collision with an 18 wheeler. You talk about getting a kick in the behind. I was basically paralyzed and couldn’t walk for two years after that.
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Kevin owns O’Flaherty Law, a general practice law firm with locations in Downers Grove, Elmhurst, and Naperville, Illinois. O'Flaherty Law's attorneys have expertise in many areas of law including but not limited to divorce and family law; civil litigation; estate planning; business and corporate representation; commercial and residential real estate law; elder services, probate and guardianship; immigration; bankruptcy law; and dui, traffic and criminal defense.
Jim owns Success Enhancement, Inc., which is geared toward helping you solve management problems in a way that is fun and engaging by using improv comedy techniques and role plays.
Participants will see how to behave differently in the type of situation identified as an area for improvement.
Please feel free to e-mail Jim at firstname.lastname@example.org or call him at (630)272-3895
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O'Flaherty Law has experience in legal services in the following legal practice areas: estate planning and probate; featuring wills and trusts, powers of attorney, living wills, estate tax avoidance and probate practice; real estate law; featuring commercial and residential sales and leases, foreclosure defense, short sales, REO closings and consent foreclosures, mechanic's liens and landlord and tenant disputes; family law; featuring divorces, child custody, child support, paternity, adoption and orders of protection; criminal law; featuring DUI, traffic and criminal defense; business representation; featuring entity selection, incorporation and s-corp election, bylaws and operating agreements, annual reports, annual meetings of shareholders, employment agreements, handbooks and warning and termination letters, business contracts, independent contractor agreements, trademarks and copyrights, regulation and licensing compliance and dissolution and mergers; business and personal bankruptcy; featuring Chapter 7, Chapter 11 and Chapter 13 cases; litigation; featuring commercial contract and tort law, employment and labor law, personal injury and collections; and immigration law.
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