At VIVO Capital Markets, we provide significant value by delivering tailor-made financial strategies to enhance liquidity, optimize balance sheets, and drive growth for our commercial real estate owner-users and investors. Our services provide extensive market insights and a global network that offers our clients unique access to capital and investment opportunities. • Lead and manage the Capital Markets team, ensuring the highest levels of performance and productivity.•Develop and implement effective strategies for capital markets operations, aligning them with the overall business goals.• Facilitate high-value, multimillion-dollar transactions, leveraging extensive direct lending experience and industry knowledge.•Monitor market trends and regulatory changes to stay ahead of the industry curve and capitalize on emerging opportunities.•Promote collaborative and efficient operations and ensure seamless communication between the Capital Markets team and other departments.•Conduct regular team training sessions to maintain high levels of expertise and up-to-date knowledge.•Develop and implement client experience strategies to always ensure exceptional service delivery.•Regularly engage with key clients, maintaining strong relationships and meeting their financial objectives.•Work with the brokerage team to Identify opportunities to enhance the client experience, incorporating feedback into continuous improvement initiatives.•Work closely with clients to understand their financial needs, translating complex scenarios into clear, actionable strategies.•Foster a client-centric culture within the team, reinforcing the importance of providing personalized, practical solutions for every client.•Resolve any client concerns promptly and professionally, ensuring their satisfaction and retention.•Oversee client onboarding, ensuring a smooth, positive experience that sets the tone for the ongoing relationship.

• Establish and maintain strong, positive relationships with a vast network of lending vendors to maintain relationships that help us expedite the loan approval and closing process by understanding their needs, guidelines, and protocols.• Facilitate clear, consistent, and effective communication between all parties involved. This ensures that everyone is aligned, helps avoid misunderstandings, and speeds up decision-making.• Conduct thorough assessments of the borrower's creditworthiness before initiating the loan application process with the lender. This minimizes the risk of loan rejection and saves time for all parties involved.• Provide lenders with accurate and complete loan application packages. This significantly reduces the need for back-and-forth communication, accelerating the loan approval process.• Leverage your team's industry expertise and market knowledge to match borrowers with the right lending products from the most suitable vendors. This enhances the probability of loan approval and optimizes the loan terms for the borrower.• Act as a borrower's advocate with lending vendors, negotiating for the best terms and rates. Your negotiation skills benefit your clients and increase the likelihood of successful loan closing for lenders.• Proactively identify and address potential issues that could derail the loan process. Your ability to foresee and mitigate problems reduces the burden on lenders and helps to ensure a smooth process for borrowers.• Regularly follow up with vendors throughout the loan process, ensuring deadlines are met, and any hurdles are quickly addressed. This proactive approach keeps the process moving smoothly and efficiently, which benefits both the borrower and the lender.

Acted as primary contact and trusted advisor for a portfolio of small to mid-size business clients.Developed and executed strategic plans tailored to each client's needs, resulting in portfolio growth.Negotiated and structured commercial credits, overseeing a portfolio worth $10M.Led business development initiatives to attract and retain clients, achieving a 25% increase in new client acquisition.Performed comprehensive financial analysis to assess client creditworthiness and recommend appropriate lending solutions.Provided financial guidance to businesses, helping them navigate complex banking needs and optimize their financial operations.Collaborated with internal teams to streamline client services and banking operations.Maintained up-to-date knowledge of industry trends and regulatory changes, ensuring our banking practices were always compliant.Facilitated workshops and webinars on financial literacy and business banking, enhancing community engagement.Managed risk effectively, ensuring all business practices adhered to bank policies and regulatory requirements.

Responsible for portfolio growth, retention and management of domestic and international clients with a focus in deposit balance growth, commercial lending, and treasury management services. Extensive experience in Corporate culture with a high emphasis on client experience and risk management. Successfully established a network of COI’s such as accountants, CPAs, financial advisors, realtors, and other professionals that provide referral business.Key Accomplishments:• Proactive Business Banking Team Leader assisting in managing of sales initiatives, processes, business development, pipeline reporting and goals.• Execute integrated sales, service and relationship strategies to support growth and retention of business clients with sales revenues from $1 million to $20 million,• Responsible for seeking opportunities to expand existing business/personal relationships and cross selling bank products and services to potential new prospects.• Partner with Residential Mortgage Lenders, Commercial Lenders, and Treasury Management to enhance existing client base as well as new to bank prospects.• Work closely with Risk and Credit Analyst in order to close loan files in a timely manner.• Responsible for completion of loan portfolio annual reviews and renewals.• Responsible for completion of all KYC requirements during on boarding of new clients and annual EnhancedDue Diligence reviews on existing portfolio of clients.• Led Business Banking Team in overall deposit growth and lending goals.

Responsible for acquiring new small business clients as well as expanding existing relationships with current clients, specifically in the areas of business lending, treasury services and deposit balance growth. Managed a book of business of over 300 small businesses with annual revenues from $1MM to $5MM. Responsible for meeting and exceeding aggressive quarterly goals for business credit, treasury, commercial credit card spend, merchant services and deposit balance growth. Provided business lending support to five banking centers in the Miami area. Coach bank staff on improving business cash flow for clients in order to increase client retention, and refer business loan opportunities. Focus on making 30-50 weekly calls to schedule a minimum of 15 in-person meetings a week with the purpose of exceeding monthly sales goals.Key Accomplishments:• Achieved Top Performer Award in 2012 and Champions Club Award in 2012 and 2013.• Leverage products such as Credit Management, Treasury Management, and Merchant services to increaseexisting revenue portfolios.• Focus on new and existing medical practices such as Physicians, Dentists and Veterinarians with PracticeSolutions Platform.

Executed integrated sales, service and relationship strategies with commercial clients to support business-portfolio growth of bank branch.Key Accomplishments:• Successful sales results led to receipt of CitiStars Annual Top Performer Award in 2008 and 2010, and First Quarter CitiStars Award in 2011.• Located, identified and signed up commercial clients for financial products and services including merchant- services, payroll, wealth-management, mortgages and premier banking.• Utilized client management tools and needs-based sales approach to develop relationship as trusted advisor. Exceeded client expectations for service while identifying financial needs, and recommending product solutions.• Engaged in 80 percent external activities, including an average of 10 appointments with clients and prospects per week.• Made approximately 25 calls per week using Book of Business lead-management system for effective calling techniques.• Effectively leveraged marketing campaigns and new-product launches to drive sales activities.• Developed and maintained centers of influence to foster a referral pipeline. Managed a 30/60/90 pipeline toensure consistent credit production within existing portfolio and prospect leads.• CitiStars Annual Top Performer Award- 2008, 2010• CitiStars 1st Quarter Award - 2011• Selected on three occasions as the Florida Representative for corporate panel workshops to improve processeswithin the Small Business segment.• Selected as the 2012 Voice of the Employee ambassador for the North/East and South/West Miami BusinessBanking team.

* Hewlett Packard Tier One Reseller, Latin America and Caribbean Regions. * Managed channel distribution reseller partnerships within my assigned countries. * Provided technical, pre-sales, and post-sales support for standard and spec configurations within all product lines. * Consistently met and exceeded quarterly and annual goals by effectively managing sales pipeline. * Established new Tier 2 resellers within assigned countries. * Worked closely with the marketing team to establish marketing strategies, programs and promotions.