Our team is comprised of genuinely gifted minds

Executive Team


Allen Wu

Mr. Wu is the brain behind the Sequoia Lending platform and building the Sequoia Sales Team nationwide.

Mr. Allen Wu immigrated to the US at early age with his parents and two younger brothers. He spent his childhood in College Park MD. Mr. Wu graduated from UMCP with a Mechanical Engineering degree.

He was employed by Lockheed Martin and later SAIC as Test Engineer and System Engineer from 1996 to 2001. Worked on projects such as FAA Display System Replacement (DSR), Air Traffic Control (ATC) Missile Defense Program, National Imagery Mapping program, etc.

Looking for a more challenging life, in 2001, Allen quit his job and joined the US Navy as an Engineering Duty Office, he was commissioned as a Naval Officer in Oct of 2001. He stationed at Washington Navy Yard, and spent most of the Navy service in Norfolk Naval Shipyard. As LTJG and LT, Mr. Wu served in various surface warfare ships.

Mr. Wu retired from the Navy in 2011 with an honorable discharge and the rank of Lieutenant.

During his service, he formed his first company part time in the residential mortgage. Under his leadership, he built a sales team of over 600 loan officers in the DC, MD and VA areas.

When 2008 mortgage crisis arrived, Mr. Wu saw the opportunities and rebranded his company to Sequoia Properties and Management, which was to provide services in short sale, foreclosure sale, REO, etc. His team was responsible for thousands of successful short sale negotiations for RE company such as Keller Williams, Century 21, ReMax and many other local real estate brokers.

Seeking for next venture, Mr. Wu decided to go back to lending industry, this time, his focus is on the commercial lending. In Nov 2016, he started Sequoia Lending.

Currently, the company has partnered up with more than 500 funding sources, such as private money, hedge funds, institutional funds, local banks, private investors, which can fund projects from small business loans to development, construction, etc.

Mr. Wu’s goal is to build Sequoia Lending as a brand name company to provide solutions to small businesses across the country.

Area Directors

Area Director

Marconi “Gio” Ramos

Gio is running his branch in the Washington Metropolitan Area. He has over 20 years of residential mortgage experience and now building his business in the commercial lending sector.

Marconi “Gio” Ramos is the director of Operations at EZ Realty. He is bilingual and has over 20 years’ experience in the real estate & mortgage industries. Marconi possesses a wide array of skills in marketing, management & finance. His experience & background has played an integral role at Capital Investment Group.
Area Director

Hong Zhao

Experienced real estate investor expanding her business in commercial lending nationwide.

Hong Zhao came to the US from China in the early 1990’s. She has earned 2 masters’ degrees in MBA and MA. She was a Loan Officer and worked as a Financial Director to manage over 20 funds from all levels of the state, city, and private.

As a 20 year professional real estate investor, Hong Zhao has also owned a life insurance business. She is a member of the Million Dollar Round Table, MDRT, which is an international professional leading insurance and investment in financial services.

Hong Zhao has become a member of the Diamond Club of the National Life Group.

Area Director

Grace Yu

Grace is running her own branch in the NJ area. She is a seasoned insurance agent and expanding her service with WSE.

Grace (Zhaohui) Yu held a bachelor degree in Insurance and Finance in China and came to US to pursue her master degree in actuarial science and finance in late 1990’s. After she graduated, she worked in various consulting firms and insurance companies as an actuary, working in plan designs and actuarial consultations for over 16 years.

In 2017, she started her own insurance agent business as an independent agent in life & health insurance and property & casualty and commercial insurance.

Grace Yu joined Wise Commercial Lending in 2019 to expand her service in multiple financial areas and has built a big commercial loan sales force since then.

In her parttime, she enjoys readings, fitness and classical music.

Area Director

Paul Teoh

Building WISE business in the NY & NJ region and expanding nationwide

Mr. Paul Teoh, has a finance and management background, he also studied marketing in the United States. He has had more than 30 years of financial and management experiences.

He started his career as an auditor after graduating from TARC College. His previous career experiences include holding senior management positions in several private and public companies.

He was employed by Ho Wah Genting Group and Lion Group, and was involved in overseas investment activities in Cambodia, Vietnam and China on hotel, vehicle, retail, travel, and manufacturing industries.

He is from Malaysia and can communicate in English, Malay, Mandarin and Cantonese.

He currently lives in New York City and is active in community service, he is a committee member of the Malaysian America Association and the local Chinese Merchant Association.

As the Regional Director for New York and New Jersey of WISE Commercial Lending, Paul Teoh will be responsible for expanding the Company market share in these regions.

Area Director

Danny Ma

Danny is heading the San Francisco Bay Area and expanding nationwide.

As an insurance professional and residential real estate agent Danny has had experience working with business owners and investors to help meet their financial goals. His first experience with commercial lending was seeking out hard money lenders for his fix and flip clients. Now, his concurrent role as a commercial real estate agent will be an asset in the prequalification of deals to benefit his clients. Danny has over 10 years of experience each in insurance and real estate and has represented reputable companies like MassMutual, Aviva, Transamerica, and AIG.

Danny is a hometown product of San Francisco where he was born and raised and graduated from the University of San Francisco with a Bachelor's in Economics with a concentration in Financial Economics.

In his free time, Danny is an avid eater and sports fan while engaging in conversations with other investors about trading stocks and options and investing in real estate.

Area Director

Aissa Encomienda

Aissa is running her own branch in Towson, MD

Bachelors of Economics and Management
Started career as Loan Processor
Senior Loan officer with close to 20 yrs experience
Very Active in the community & Church
currently President of the PTA for Royal International Christian Academy
Minority small business Licensed
Charities include School for the Blind in the Philippines.
Producer/Hosts Charity Zumba Events for fundraising
Area Director

Jamila Tunu

Jamila Tunu is a Licensed Commercial Real Estate Professional & REALTOR® providing sales and lending services.

Jamila Tunu (/too - n(y)o͞o/) is a Licensed Commercial Real Estate Professional & REALTOR® providing sales and lending services. She is also a Legacy Lifestyle Designer, Speaker, and the creator of the Financial Legacy Building Secrets with Jamila Tunu which covers 6 Foundational Steps to Building a Legacy.

Jamila has a passion for helping people, especially when it comes to finance, business and real estate investing. Her mission is to plant seeds of generational wealth and positively impact family trees through education and economic empowerment.

Her background includes a Bachelor’s of Science in Financial Services, and she has been in the financial services industry for over 20 years in several capacities including real estate, banking, investments, insurance, and financial literacy education.

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