Ray Gonzalez

Ray Gonzalez Email and Phone Number

Vice President, M&T Equipment Finance Corp @ M&T Bank
Chicago, IL, US
Ray Gonzalez's Location
Greater Chicago Area, United States, United States
Ray Gonzalez's Contact Details

Ray Gonzalez personal email

About Ray Gonzalez

Accomplished Commercial Finance leader with extensive experience in a wide range of disciplines, including sales, relationship management, commercial underwriting, portfolio management, training, supervision, and administration. Employs a proven consultative business advisory approach with clients and prospects, displaying excellent written, verbal and interpersonal communication skills. Consistently delivering results that positively impact a company's bottom line financial targets. Contact me at rgonzalez4947@gmail.com

Ray Gonzalez's Current Company Details
M&T Bank

M&T Bank

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Vice President, M&T Equipment Finance Corp
Chicago, IL, US
Website:
mtb.com
Employees:
30082
Ray Gonzalez Work Experience Details
  • M&T Bank
    M&T Bank
    Chicago, Il, Us
  • M&T Bank
    Vice President
    M&T Bank Feb 2024 - Present
    Buffalo, New York, Us
  • Bank Of America Global Leasing -Global Vendor Finance
    Vice President, Leasing Credit Officer
    Bank Of America Global Leasing -Global Vendor Finance Apr 2021 - Feb 2024
    Charlotte, Nc, Us
  • Paccar Financial Corp
    Senior Fleet Credit Manager
    Paccar Financial Corp Sep 2013 - May 2020
    Manage, grow and source initial fleet lines of credit from initial $593M portfolio in 2013 to $1.8B as of 2020 for the US Midwest, via joint calls with National Account Managers and dealer network. The loans and leases sourced are sized from $3M minimum to over $100M. Private, Public and Private Equity owned firms
  • Pnc
    Vp Business Bank
    Pnc Sep 2011 - Aug 2013
    Pittsburgh, Pennsylvania, Us
    Prospected for business clients in the $1M to $12M sales size, placing $1M business bank deals, $300k in leases, and 50 new deposit relationships. Referrals on larger deals to Equipment Finance Group, Commercial Mid Market Group, AG Group, Private wealth group.
  • Amalgamated Bank Of Chicago
    Vp Commercial Lending
    Amalgamated Bank Of Chicago Jul 2008 - Aug 2011
    Chicago, Il, Us
    Prospected for commercial commercial clients with $1M to $50M in sales, growing local office through referrals and networking. Grew deposit balances from $7.8M to $16.5M, commerical loans $3.5M annually, and three new union locals to bank $200K each in deposit balances.
  • Bmo Harris Bank
    Vp Business Bank
    Bmo Harris Bank May 2002 - Jun 2008
    Chicago, Illinois, Us
    called on commercial prospects and clients in the $2M to $20M in sales size, Cross sold to Private wealth, Equipment Leasing, Mid-Market, Capital Markets and Real Estate.
  • Republic Bank Of Chicago
    Vp Commercial Loans
    Republic Bank Of Chicago 2001 - 2002
    Oak Brook, Il, Us
    called on prospects in $1M to $20M in sales. Initiated use and conversion to Moodys MFA to senior bank management.
  • Orix Corporation Usa
    Midwest Credit Manager
    Orix Corporation Usa 1999 - 2001
    New York, Ny, Us
    Supervised six commercial underwriters for equipment finance and lease deals. Managed relationships between underwriting, sales, dealer network, end-users. Brought new vendor relationships in transportation to the Chicago office.
  • Mercedes-Benz Financial Services Usa Llc
    Credit Buyer
    Mercedes-Benz Financial Services Usa Llc 1996 - 1999
    Farmington Hills, Michigan, Us
    Credit Buyer for Freightliner dealer network in the Midwest. Maintained and developed business relationships to acquire retail and lease deals from the assigned dealer body.
  • Navistar Inc
    Senior Staff Accountant
    Navistar Inc 1986 - 1996
    Lisle, Il, Us
    1986 to 1991 Finance Sales Representative sold finance & lease to dealer body and completed inventory audits. 1991-1992 Wholesale Finance Supervisor a staff of 9 administration of US wholesale dealer inventory. 1992-1996 Senior Staff Accountant closed monthly ledgers, supervised accounts payable department, liaison with public auditors.

Ray Gonzalez Skills

Leadership Financial Advisory Asset Based Lending Deals Banking Lease Administration Restructuring Strategic Partnerships Lines Of Credit Accounting Business Relationship Management Sales Commercial Commercial Finance Networking Portfolio Management Cross Selling Business Development Communication Credit Risk Customer Relationship Management Referrals Financial Services Commercial Banking Underwriting Business To Business Supervisory Skills New Business Development Administration Credit Financial Analysis Interpersonal Skills Management Analytical Skills Credit Analysis Coaching Commercial Real Estate Loans Commercial Lending Financial Structuring

Ray Gonzalez Education Details

  • Northern Illinois University
    Northern Illinois University
    Finance

Frequently Asked Questions about Ray Gonzalez

What company does Ray Gonzalez work for?

Ray Gonzalez works for M&t Bank

What is Ray Gonzalez's role at the current company?

Ray Gonzalez's current role is Vice President, M&T Equipment Finance Corp.

What is Ray Gonzalez's email address?

Ray Gonzalez's email address is rg****@****ail.com

What schools did Ray Gonzalez attend?

Ray Gonzalez attended Northern Illinois University.

What skills is Ray Gonzalez known for?

Ray Gonzalez has skills like Leadership, Financial Advisory, Asset Based Lending, Deals, Banking, Lease Administration, Restructuring, Strategic Partnerships, Lines Of Credit, Accounting, Business Relationship Management, Sales.

Who are Ray Gonzalez's colleagues?

Ray Gonzalez's colleagues are Milos Petkovic, Muhammad Shafiq, Menaa Euchi, Elizabeth Jennings, Timothy Malvaso, Rauf Langia, Jordan Morrison.

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