How I can help you
CONSULTANT – Since retiring from Citibank in February 2006, both personally and through my own company, LosVilla, LLC, I have been doing work as consultant in credit and risk matters, doing loan portfolio reviews, establishing and reviewing credit procedures, and providing training in risk for bank clients such as Multibank in Panama, Banco Industrial de Argentina in Buenos Aires, Argentina, Banco BHD in the Dominican Republic, and currently with two banks in Jamaica. BANCO CITIBANK DE COSTA RICA S.A. – Formerly BOD Independent External Director from July 2013 to January 2016 (bank was sold) STATE OF FLORIDA – OFFICE OF FINANCIAL REGULATION – Financial Control Analyst – Bank Examiner participating in bank reviews looking at asset quality on a part-time basis under the OPS program for six years from September 2006 until February 2013. CITIBANK/CITI – LATIN AMERICA ORGANIZATIONAL DEVELOPMENT – As instructor in credit training programs and participating in loan portfolio reviews. RISK SOLUTIONS SRV CORP – Partner in firm until December 2012 when the company was dissolved, providing risk learning and bank consulting services to several bank clients including IADB in Washington DC, BBVA in Lima, Peru, and NCB in Jamaica. CITIBANK N.A. / CITI (ex CITICORP) 2000 to 2006 - Director Senior Credit Officer (SCO) - Regional Credit Risk Manager for the Corporate Investment Bank in the Caribbean Central America based in Miami, Florida; responsible for a corporate and commercial loan portfolio of $7(+) billion distributed amongst 12 countries supervising 78 persons at the individual Country Branch locations; Level 2 SCO which is next to highest level of approval authority; approving and actively involved in structuring transactions in project finance, acquisition finance, structured trade finance, real estate finance, asset based finance, traditional commercial and corporate lending facilities, structured as syndicated, participated, club or bilateral loans; also oversaw workout/troubled loan portfolio; provided approvals as back-up SCO to other countries in Latin America including Colombia, Venezuela, Ecuador, Peru, Bolivia and Chile. 1996 to 1999 – VP Senior Credit Officer (SCO) - Country Risk Manager for the Branch in Chile based in Santiago; responsible for a corporate and commercial loan portfolio of $2(+) billion; overseeing the country risk functions directly supervising the Market Risk Manager and matrix reporting of the Consumer and Private Bank Risk Managers; interacting with the local Regulators; approving and actively involved in structuring transactions in project finance, acquisition finance, structured trade finance, real estate finance, asset based finance, traditional commercial and corporate lending facilities, structured as syndicated, participated, club or bilateral loans; provided SCO approval support to the Branch in Bolivia; also supervised the Compliance and Legal functions. 1994 to 1996 – VP Senior Credit Officer (SCO inactive) – Senior Credit Reviewer for the Business Risk Review for Latin America based in Sao Paulo, Brazil, auditing and rating the process as well as the quality of the commercial and corporate loan and equities portfolios for all the countries with local presence in Latin America; also participated in special reviews when warranted by impromptu situations such as the Tequila Crisis or out of cycle reviews when requested by the Regulators or external auditors. 1992 to 1993 - VP Senior Credit Officer (SCO) – Credit Director for the Domestic Private Bank in Florida based in Miami; responsible for the loan portfolio as well as the collection and/or restructuring of troubled loans; as Senior Credit Officer provided approval for facilities to clients of both the Florida and the Georgia offices; also supervised the back office, credit administration and support functions. 1985 to 1991 - VP Senior Credit Officer (SCO) – Occupied several jobs in the Branch in Venezuela, based in Caracas as Head of the Risk Analysis and the Loan Recovery Units and Deputy Country Risk Manager; as Investment Bank Risk Manager; as Corporate Bank Head; as Financial Institutions Head overseeing the correspondent bank relationships; as Unit Head in the Loan Recovery Unit where I was originally sent to workout a $640(+) million dollar denominated, troubled loan portfolio following the crisis caused by the first maxi devaluation of the Bolivar from its fixed parity in late 1983; as SCO in addition to the Branch in Venezuela also provided support for approvals for the Branches in both Colombia and Ecuador; I was awarded the SCO initial in 1990. 1977 to 1984 – VP Credit Officer – Occupied several jobs in the Branch in Puerto Rico (where I started my carrier with Citibank) based in Hato Rey as Public Sector Head overseeing the lending relationship to the Government of the Commonwealth of Puerto Rico managing the loan portfolio and structuring and syndicating loan transactions to provide capital improvement and/or working capital financing; as Marketing Manager for the Corporate Bank sourcing and developing new client relationships; as Account Officer handling several client relationships in various economic sectors. MANUFACTURERS HANOVER LEASING CORP (part of the now defunct MANUFACTURERS HANOVER BANKING CORP) 1976 to 1977 – Transaction Coordinator – Responsible for sourcing and structuring leasing and other asset based transactions with new and existing clients to finance mainly machinery and equipment. SELF-EMPLOYED 1975 to 1976 – As broker sourced and structured transactions for income producing real estate properties and submitted them to insurance companies for financing. BERENS MORTGAGE BANKERS (part of the now defunct ASSOCIATED MORTGAGE COMPANIES and FIRST PENNSYLVAN IA BANK) 1972 to 1975 – Senior Risk Analyst – Responsible for analyzing, structuring and underwriting transactions for permanent financing of real estate income producing, commercial and industrial properties, and construction lending for residential developments. AFFILIATIONS US Coast Guard Auxiliary – Flotilla 4-3 – Lake County, Florida Knights of Columbus – Council 10853 LANGUAGES Bilingual in Spanish and English, fluent in Portuguese and some knowledge of French.
Areas of Expertise
- Accounting & Cash Flow
- Business Plans / Startup Assistance
- Finance & Insurance