Avoid the Danger Zone: Ineffective Communication by Toby Hoy, CRMS, CNE, LSSGB, Mortgage Loan Officer at SUCCESS® Lending
Have you ever felt like hitting your head against a wall when trying to communicate with customers, clients, or even your kids? Have you ever had a contract or agreement implode at the last minute because of assumptions made by one or all parties? Attend this dynamic and engaging workshop to learn some tricks for the critical life skill of effective communication.
Bio: Toby Hoy, Ph.D., MBA, MTax, MSRE, CRMS, DREI, CPLP, MCI, LSAR, DE, LSSGB, CRU, CMLO, GRML, RECS, CFDE, CLP, CIRO, CMA, ARM, CNE
Toby is a highly skilled and credentialed professional with wide-ranging
experience in multiple fields. Including real estate and finance with significant
origination, operations, risk assessment, investment analysis, capital markets,
and collateral valuation experience. Also, education and training, with
experience in instructional design, training delivery, and skill assessments.
Toby has prepared expert witness testimony regarding predatory lending
theory and practice for the Cleveland, Ohio City Council, The Ohio Senate and House, as well as The United
States House of Representatives Financial Services Committee, The United States Senate Banking
Committee, The United States Senate Subcommittee on Housing and Transportation, and before the Board
of Governors of The Federal Reserve System.
Toby is a 24-year veteran of the mortgage banking and real estate industries and has worked for both
boutique providers, nationwide providers, and is currently positioned with both SUCCESS Lending and the
global powerhouse of eXp Realty with over 85,000 agents internationally.
Toby is a former Adjunct Faculty Member at both Stark State College and Ashland University and has also
instructed for the State and National Associations of REALTORS®, the State and National Associations of
Mortgage Bankers, and the State and National Associations of Mortgage Brokers, where he was a Master
Certified National Instructor. He also is a Senior Instructor for Tuxedo Training School of Real Estate. In
both 2014 and 2020, Toby was recognized by the Stark County Association of REALTORS® as the
Instructor of the Year and selected for the 2016 class of Achievements in Excellence award recipients from
the National Association of Sales & Marketing Executives.
Toby holds a DE Underwriting certification from HUD, and both LAPP/LSAR underwriting certifications
from the VA. In addition, he is a registered Home Counselor with Fannie Mae, assists both the Stark
Metropolitan Housing Authority and the East Alliance Community Development Corporation as a
Homeownership Counselor, and he has attended numerous educational programs sponsored by HUD, VA,
FNMA, SMHA, OAR, REBAC, NAMB, OAMB, RENI and others.
Toby received a Ph.D. in Business Administration from the University of Phoenix, a MS in Real Estate from
Johns Hopkins University, a MA in Business Administration, a MA in Taxation, and a BS in Business
Management from the Louisiana State University, and an AA in Accounting from Stark State College. In
addition, Toby holds Executive Certificates from both the Sloan School of Management at the Massachusetts
Institute of Technology and the Mendoza College of Business at the University of Notre Dame, received his
Lean Six Sigma Green Belt certification from California State Polytechnic University, Pomona, and is a
Graduate of the prestigious Stonier National School of Banking at the University of Pennsylvania.
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