Seasoned and entrepreneurial Financial Executive, formally credit-trained with experience as a CFO/Controller, Structured Trade Finance, Factoring and Commercial Lending. Eclectic background in Financial Analysis, Accounting Systems, MIS, Sales, Marketin

Industry:	Accounting & Finance
Occupation:	Accountant
Ideal Companies:	Banks, Trading Companies, wholesale distributors
Education level:	Medical Degree
Will Relocate:	Yes
Location:	Fort Lauderdale, FL

6/2005 - 4/2009

TradeWinds Global Capital, LLC (www.windscapital.com)

Self-Employed

•  Launched trade finance firm focusing on Purchase Order Finance & Supply Chain Management

2/2003 - 4/2005

Westford Asset Management/Epsilon Master Fund

Director / VP

• $1BB Hedge/Private Asset Management Fund. Vice President  Started trade finance division focusing on Purchase Order financing and Back to Back Letters of Credit  Implemented SOPs  Trained & supervised sales & operational staff (6 people)  Originated > $600MM in prospective trade finance lines of credit

4/2001 - 2/2003

BankAtlantic

Director / VP

• Relationship Manager responsible for business development:  Originating > $90MM in prospective lines of credit  Structuring lines to ensure sufficient risk mitigation and compliance  Knowledgeable on EXIM Bank and private credit insurance products  Managing a portfolio of clients  Managed sales/marketing and internal training of branch personnel to drive fee income

10/1998 - 1/2001

Hamilton Bank, N.A

Director / VP

• Responsible for:  Structuring trade and commercial finance lines of credit for middle market clients: sight L/Cs, usance L/Cs, refinancing of sight drafts through Bankers Acceptances, forfeiting, working capital lines, discounting of Trade Acceptances primarily on a borrowing base format underpinned by accounts receivable, inventory and assignment of proceeds of Master L/Cs  Underwriting the credit: analyzing financial statements, cash flow, primary, secondary and tertiary sources of repayment, collateral and guarantor analysis. Evaluating and mitigating the risks inherent in international trade: sovereign risk, foreign exchange risk, repayment risk, product quality risk, cancellation of purchase order risk, logistical risk and maintaining constructive control of the underlying goods at all times.  Formally presenting credits to the Credit Committee of the bank for approval  Subsequently managing the customer relationship to ensure compliance with the credit application  Nascent marketing efforts in Broward and West Palm Beach counties

11/1997 - 9/1998

HSBC Trade Services, Marine Midland Bank

Director / VP

• Responsible for:  Selling commercial and trade finance products and services in the New York metropolitan area  Originating >$60MM in prospective middle market business within first six months of employment  Marketing the HSBC brand name in the market place  Structuring, coordinating a 3,000 record department database for marketing and contact management  Executing plans for HSBC global offices in support of creative trade finance deals  Preparing and making training presentations internally to branch personnel

11/1993 - 5/1997

MTB Bank

Director / VP

• Cross-trained in trade finance, asset-based lending, factoring, forfeiting, insurance, supply chain logistics, warehousing/distribution, quality control  Relationship Manager responsible for the management of a $20MM portfolio in addition to marketing/selling the bank’s various product lines in California and Florida. Well seasoned background in trade finance and commercial lending  Structured and managed several hundred trade and commercial lending transactions with an aggregate exposure greater than $50MM with zero losses, generating more than $3MM in revenue for the bank. Responsible for:  Transaction structure  Risk mitigation  Due diligence  Intercreditor Agreements  Loan Documentation  Preparation of term sheets and suggested exposure lines for the Credit Committee  Day to day transaction management  Maintaining client compliance  Developed database, pricing and income projection computer models to track and monitor exposure, collateral and L/C payments, improving efficiency by 30%  Trained & supervise sales & operational staff (4)

2/1992 - 11/1993

Prominent Apparel

Manager

• Assistant Controller/Director of MIS  Project Manager in charge of down-sizing from a main frame to a micro-computer based Metropolitan Area Network (MAN) and implementation of Electronic Data Interface (EDI) system  Designed Executive Support System for forecasting financial and operating projections and cash flow  Computerized the entire company  Assisted Controller in analyzing and preparing monthly multi-divisional financial statements  Handled all L/C transactions for five American joint ventures

1/1988 - 2/1992

Executive Financial Managers

Self-Employed

• Management Consulting Company focusing on apparel importers started by me President  Computer systems integration  Strategic planning  Shared-Time CFO  Asset-based financial reporting to banks  Budgets  Cash flow projections  Break-even analysis  Preparation of timely and accurate monthly financial statements

1993

Master Degree

Dowling College

• Management

1989

Bachelor Degree

Baruch College, City University of New York

• Finance

1977

Certification Degree

UNAM

• Spanish

International Trade, Trade Finance, Factoring, Asset Based Lending, Purchase Order Financing, P.O.Finance, Letters of Credit, Back-to-Back Letters of Credit, Forfaiting, Receivables Financing, Inventory Financing, Supply Chain Financing, Collections, Trade Drafts, Bills of Exchnage, Trade Acceptance Discounting, Logistics, Credit Insurance.