Mike Ramazio, Jm, Ba Email & Phone Number

With over three decades of land development experience, I have honed an extensive skill set encompassing all aspects of land use, zoning laws, annexation, and land planning. My expertise lies in navigating complex regulatory landscapes, ensuring compliance while optimizing the potential best-use of each project. Highly skilled with landlord-tenant lease language negotiation, HOA bylaws & financing, administrative agencies, laws, rules and regulations, and complex project amortization. Skilled in Florida laws and statutes and interpreting intricacies. My approach is collaborative, working closely with team members, architects, engineers, legal advisors, city planners, and all stakeholders to deliver the best results. A few key achievements are listed below.• Subdivided multi-million-dollar commercial property, conducted environmental studies, negotiated and managed tenant lease agreements, arranged owner financing, and facilitated all legal aspects of the project.• Currently converting agricultural property to commercial best use. Developed city-county annexation strategy and negotiated rezoning, water & sewer, fire, site preparations, and all land development strategic planning.• Subdivided residential land parcel into multiple parcels and developed land.• Procured property in foreclosure and renovated same• Recently completed complex eminent domain action for maximum return.

Sioux Falls, Sd, Us

Led day-to-day sales operations (team leadership, logistics, sales strategy), driving productivity and budgetary performance of the equipment leasing sales department. Created an entry point for Crestmark in the small-ticket equipment lending space. The resultant division funded over $XXXM within just over 3 years. Developed and implemented various financial products while focusing the sales team to promote business, products, and services volume. Engaged customer base to generate significant revenue. Partnered with upper management to develop and implement policies/procedures to improve department efficiency and profitability. Grew relationships in multiple industries (healthcare, fitness/wellness, manufacturing, technology equipment, construction, construction equipment) by reviewing financial statements, and credit reports, doing due diligence, and negotiating lease transactions. Non-profits and commercial building transactions were specialty industry areas. I successfully developed and managed numerous third-party broker relationships and oversaw portfolio performance. Key Words: Commercial finance, SBA, 504, 7A, express, business plans, monthly reporting, cross-sell, syndication, sales management, business analysis, equipment leasing, equipment financing, commercial, working capital, refinance, restructure, debt, operational risk, risk management, fraud prevention, fraud risk, fraud prevention, insurance, SMB, small medium big business, commercial buildings, non-profits, fair lending laws, banking compliance, BSA, OFAC, AML, anti-money laundering, FINCEN, OCC, OFR, FDIC, monitoring, capital ratios, KYC, CDD, UCC, banking analytics, financial analysis, reporting, corporate finance, stocking, strategic partnerships, influence, committed, business industry, decision making, salesforce, salesforce.com, data analysis, solar, wind, battery storage, green energy

As an entrepreneur, I co-founded and built a successful 100% cloud-based company, Allstate Capital, which specialized in commercial small-ticket equipment leasing and financing products across the United States. With a focus on innovation and creative financing solutions, I drove strong sales growth year-over-year and maximized operating efficiencies to levels unheard of in this industry sector. Extracted digital data and converted it into data intelligence strategy. Analyzed data, forecasted sales goals, develop budgets and financial reporting transforming data intelligence into business intelligence. Discovered new business opportunities while improving existing relationships. I utilize my vision, management experience, and motivational skills to meet business requirements and prepare management initiatives.Under my leadership, Allstate Capital funded over 550 small-ticket transactions annually. Achieved the prestigious US Bank In-Tandem award 7 times for outstanding performance. Managed the $70M US Bank portfolio amongst several other portfolios. These accomplishments are a testament to my unwavering commitment to strategic partnerships, portfolio management skills, and meticulous attention to detail.In May 2017, Crestmark Bank recognized the value of Allstate Capital and acquired the company. I negotiated the Merger & Acquisition (M&A) process involving the sale of the company and handled all aspects of the offering memorandum, presentations, negotiations, due diligence, and development of contractual language. I served in multiple executive-level capacities, including CEO, Managing Member & Co-Founder, Chief Operating Officer (COO), Chief Revenue Officer (CRO), Sales Director, and Senior Vice President (SVP).My experience leading Allstate Capital and working with Crestmark has provided me with a deep understanding of the financial services industry and reporting, as well as expertise in business strategy, operations, and sales.

I co-founded the company as a revenue producer to expand Allstate Capital's infrastructure with sophisticated system design and technology platform development. I developed custom .NET CRM software and sold, installed, and serviced various technology platforms, including Amcat, Avaya, Cisco, Toshiba, Microsoft, SaaS, and many more. Responsible for integrating digital data management and AI algorithms into design strategies from the outset. As a result, the company grew into a multi-faceted technical integration specialist, serving many commercial customers.My achievements included designing complex business communication platforms, proprietary CRM database design and management, Microsoft Server Administration, and implementing server networks. I also managed various projects, including cloud computing and network implementations, real-time reporting, as well as overseeing the sales process and lead generation. My focus on CRM, data intelligence, and data analytics enabled the company to excel in digital transformation and implement enterprise software, providing our clients with top-notch solutions.

Master'S Degree, Banking & Finance Law

Bachelor Of Science - Bs, Business Administration And Management, General