Oscar Montalvo

EDUCATION After graduating from high School Oscar Montalvo joined the Military and took several business and financial courses to further is education. EXPERIENCE 2013- Present SYNOVUS BANK- Vice President Commercial Banker ESSENTIAL DUTIES AND RESPONSIBILITIES Consistently Ranked in the top 10 Commercial Banker in entire Bank. Exceeding loan goal. Interviews loan applicants, and collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request. Establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements. Collects and analyzes information that reflects the current creditworthiness of customers and the current merits of existing loans. May obtain information through direct inspection of the applicant's business and/or collateral, review of interim financial reports, personal interview, and other means. Presents loan requests to the executive loan committee when the proposed loan dollar volume exceeds the department's lending authority. Authorizes or rejects overdrafts in depository account within established authorities. Advise customers, where possible, concerning business management and financial matters. Monitors loan repayment activities and takes necessary action to collect from past-due accounts. Develops new business by contacting prospects and customers, cross-sells bank services. Prepares lending activity reports for department management. Keeps abreast of local and national economic, financial, political and legislative events and climates which could have an impact on corporate and commercial lending activities. Achieves overall individual deposit, loan unit, dollar, and non-interest income goals. Participates in community affairs to increase the bank's visibility and to enhance new business opportunities. 2011-2013 BANKUNITED- Business Development Banker Ensure the branch meets and exceeds established sales and revenue goals and credit quality standards through personal production and activity management, while minimizing expenses. Meet and exceed personal production goals for credit, deposit, and fee income categories. Delivered business plans for growth and income objectives. Manage, coach and support branch employees on developing, managing and growing profitable customer relationships to support Commercial efforts. Identify customers with additional profit potential and develop action plans to expand these relationships. Maintain an understanding of all current financial products, policies, procedures and regulations. Ensure overall compliance and operational risk controls in accordance with bank and/or regulatory standards and policies. Adhere to all current policies, procedures, and audit requirements. Maintains prescribed security controls and compliance with current regulatory legislation in order to protect the branch against criminal and fraudulent operations and unnecessary risk or exposure. Develop programs and reward systems to increase morale, develop employees, etc. in order to assist in reducing turnover. Develop new business and expand existing business through business and consumer customer contact meetings. Develop collaborative partnerships with other business lines within the bank. Represents the Bank in the community in manner which maintains and expands friendly relationships with individuals, business persons, civic organizations, service clubs, etc. Encourages subordinates to participate as well. 1999-2010 CHECKERS- OWNER OPERATOR I was directly responsible for the SW Florida stores within in the following areas: All Banking, A/P, A/R, cash handling procedures, profit & loss Statements, Recon Sheets, Cash Over and short, Inventory and quality. In addition, I staffed and motivated restaurant Management to form a strong work team; which resulted in increased gross Profit form 65 percent to 69 percent within 6 months. 1994 to 1998 BURGER KING- FRANCHISE CONSLUTANT OF OPERATIONS I was responsible for 71 restaurants in the franchisee community within Southern California, with sales of 81 million plus per year. Selected by Upper management to enter, Analyzes, and enhances operations of the stores, including training of quality Managers, District Managers and General Managers. 1992 to 1994 BURGER KING-International Projects Manager I traveled to Panama to start-up operations of three restaurants in this Panama. Involved with The franchisee on the facility layouts, Implemented all management and operational systems, Trained initial Staffs and provided in depth management training and converted software to Spanish. 1989 to 1992 BURGER KING-Projects Manager Mobile Concept Mobile Concept, Miami Florida- Directed and development, field testing and demonstration Phases of the mobile restaurant, based on a mobile-home Platform. Field tested units in Suburban areas. RELATED SKILLS AND TRAINING Bilingual: Fluent in Spanish Microsoft Office: Word, Power Point, Excel, Access, Outlook Strong analytical and critical thinking skills Strong understanding of business systems and processes Ability to work in both independent and team environments Excellent customer service skills RESPONSIBILITIES Oscar Montalvo is responsible for working with small businesses with revenues between $2.5 million to $15 million. Oscar through Synovus Bank provides financing for working capital, expansion, mergers/acquisitions, real estate and equipment financing. Montalvo collects and analyzes financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request. Montalvo establishes, and negotiates terms under which credit will be extended, including the costs, repayment method, and schedule and collateral requirements. Oscar Montalvo uses his 34 years of business expertise with his financial savvy to coach and advise businesses. AFFILIATIONS Past Basketball Coach, North Collier County Park and Recreation Past Basketball Coach, Palmetto High School Member of the Hispanic Chamber of Commerce Foster Parent for SWFL Children Network