SUMMARY:

• Decisive, action - oriented and result-focused professional with a broad ranging of exposure and experience.
• More than 15 years of experience in solid and professional companies. Successful in linking Credit, Sales and Finance to business operations to drive forward organizational development, risk control, and improve earnings. Strong negotiation, analytical, and decision-making qualifications.
• In-depth knowledge of banking operations, credit underwriting and lending (individual & commercial), banking products, financial reporting systems, risk analysis and credit administration
• Credit and Deposits Relation Management (Individuals, Small, Middle & Corporate Segments)
• Thorough knowledge of risk management principals, credit policy and credit administration procedures
• Strong knowledge of the financial industry procedures and regulatory compliance (State and Local Regulators)
• Proficient in all Small Business Lending Programs
• Interface with Branch Managers, Business Bankers, Insurance, and Investment partners to ensure ongoing communication with regard to existing and future customer needs and/or processes.
• Networking & Relationships Building, Contract Negotiations, Needs Assessment and Product Education
• Training and Supervision of Service, Relation, Business Development and Operational Teams
• Fully bilingual (English and Spanish). Effective written and oral communication skills
• High levels of energy and enthusiasm. Self-starter quality
• Ability to establish positive interpersonal relations and to interact with people.

PROFESSIONAL EXPERIENCE:

Confidential, San Juan, PR

Assitant Vice President -Commercial Relationship Manager

Responsibilities:

• Held #1 position in production (new business), 0.00% portfolio delinquency, 100% annual commercial portfolio renewals and annual reviews and completed years (2014, 2015 & 2016) as 1st ranking Commercial Relation Banker
• Grew Region Assets from $25 million to $97 million in 28 months; exceeded region sales and lending goals by 560%
• Increase asset portfolio profitability from 4.07% to 9.06%.
• Successfully exceeded and completed yearly new business cross selling product referral goals in 1 year by 500%.
• Selected based on product expertise and sales results to train Relation Managers, Branch Managers and Personal Bankers of all bank commercial products and services
• Co-developed and co-organized strategic business campaign (centers of influence) resulting in 102 new clients for business and consumer banking in two months.

Confidential, Guaynabo, PR

Credit & Collections Manager

Responsibilities:

• Reduce Over 90 days balance from $56 million to $33 million in 10 months
• Increased cash flow by $30 million reducing DSO from 57 to 42 days and minimizing risk from marginal customers.
• Recovery of $10.2 million within 12 months that was written off to bad debt
• Streamlined internal processes resulting in cost savings of over $3 million
• Successfully played a major role in 3 acquisitions and integration in one year
• Interfaced daily with sales and customer service departments to resolve customer disputes and billing issues

Confidential, San Juan, PR

Assistant Vice President/ Small & Middle Business Development Manager

Responsibilities:

• Team Member responsible to administrate a credit and collections portfolio of $90 million.
• Developing new business relationships and enhancing the profitability of the existing customer base. Increase asset portfolio profitability from 4.50% to 7.15%.
• Prepare, update and submit action plans for performing and non-performing assets. Update credit and risk rating information, proactively monitor properly operating performance, trends and report findings based on company guidelines.
• Responsible for contacting commercial customers to negotiate payments on delinquent accounts, and develop modification plans to bring accounts to a current status. Also do restructuring of delinquent commercial accounts to make sure that customers are then able to become current on their obligations

Confidential, San Juan, PR

Business Development Officer

Responsibilities:

• Held #1 position in production (new business) for 2007 as 1st ranking Business Development Officer in Puerto Rico and 2nd position among 1,200 U.S. & P.R. Financial Centers Distributions
• Raised Small Business Credit portfolio of clients by $6 million in one year by obtaining over 56 new additional commercial relationships
• Achieve personal production goals through acquisition of new business banking customers and households, expanding existing relationships, utilizing place of business calls, effective calling techniques and leveraging Confidential ’s products and services.
• Continually expand referral network through contact with various internal business partners and external financial intermediaries

Confidential, San Juan, PR

Branch Manager

Responsibilities:

• Grew Branch Assets from $20 million to $38 million in one year; exceeded branch sales and lending goals by 190%
• Increase branch net income by 30% and decrease net losses from $300,000 to $20,000.
• Won several branch contest consistently as Top Branch Manager in loan production and deposits grow
• Earned fast track promotion from initial medium branch manager to large (main office) branch manager position within 5 months of hire
• Reviewed all loan requests prior to approval; verified completion of credit packages and analyzed feasibility of the business. Assisted loan officers in structuring loan packages. Directed loan tracking/monitoring system, file room and loan exceptions

Confidential, San Juan, PR

Business Development District Manager

Responsibilities:

• Directed regional sales initiatives targeting and penetrating commercial businesses realizing year sales of $12 million vs $2 million goal.
• Held #1 position in production and completed year as 1st ranking district in Puerto Rico.
• Generated new business through networking efforts and execution of creative marketing plans
• Developed strategies and business for the firm by building corporate relationships with customers and the industry/market leaders

Confidential, San Juan, PR

Business Development Promoter/ Financial & Accounting Advisor/Credit Administrator

Responsibilities:

• Lead the creation of the financial policies and procedures including the loan and accounting administration system
• Grew customer base from 0 to 600 in less than one year; build strategic alliances with public and private enterprises
• Conducted strategic economic development plans to create over 2,000 jobs and over 200 new businesses