Omar D. Salinero, Master of Science in Finance

acryjp@r.postjobfree.com Cell: 916-***-****

KEY ACCOMPLISHMENTS

Worked for SBA Loan Center in Citrus Heights (suburb of Sacramento), CA 2009-10 during American Recovery and Relief Act approving over $300 million SME loans.

Worked for SBA District Office in Miami, FL receiving commendation from District Director for best improved Loan Servicing Department during1982-1983 banking crises.

Worked for several private banks as loan officer, credit review manager and Vice President as well as starting SBA loan departments.

Obtained and negotiated over $3.5 Million in grants for the City of Miami from the Economic Development Administration an affiliate of the U.S. Dept. of Commerce.

Founded international consulting company dealing with management, QC, financial and venture capital issues.

Developed change management and training program and assisted top management with financing strategy for SME’s in coordination with top corporate officers, CEO, CFO and other change agents in Multi-national Corporation.

Negotiated with specific creditors financing terms and pricing policy for key stakeholders.

Managed a portfolio of over $20 million in commercial loans for private bank.

Managed a portfolio of over $10 million in rental properties for investors and private company

Participated in the sale of $10 million in commercial and residential properties.

Real Estate Property Manager for properties in Florida, Colorado and California.

Adjunct Professor for Miami Dade College

Certified Middle and High School teacher for Miami-Dade and Monroe Counties

Worked with various non-profits and NGO organizations i.e., American Red Cross, Hispanic Chamber of Commerce, Greater Miami Chamber of Commerce, HUD Neighborhood Networks, the Winrock Group through US AID on volunteer basis as an Agricultural/Management/Financial Consultant in Central America.

Omar D. Salinero

PROFESSIONAL BACKGROUND

OSI Enterprises, Inc. Miami, Fl. (6/1995 – 12/2014)

Founding Partner and Financial Consultant

Responsible for all aspects of the operation of this company including; financial, marketing, and program design and administration.

Worked with Company CEO and CFO to identify and obtain strategic international capital partners and debt / equity issues; partners included Grupo Mas X Menos and affiliates, ServiValores and Corporacion de Companias Agroindustriales, consisting of Central America’s largest retail store chain.

Training and setting priorities for multiple, simultaneous staff activities to consistently meet service and production goals, management objectives and quality performance standards.

Authored and provided training initiatives for change management strategy in areas of international operations, reorganizations and effective financial expansion strategies.

Authored educational materials for five classes in a Certificate Program for Miami-Dade College

Worked with several subsidiaries e.g. Small to Medium Enterprises (SME’s), and large Private Corporation, on funding, change management, program operations and service quality improvement.

Conducted in-depth examinations of commercial and savings & loan institutions under both federal and state authority.

US Small Business Administration, Greater Sacramento, CA. (6/2009 to 12/2010 and 6/1982-9/1984 see below under Previous positions)

Commercial Loan Specialist

Review and underwrite commercial loan requests to determine qualifications for approval. Processed and underwrote approximately 20 quality loans per month. Recommended loans for approval/denial providing all necessary and requested information as needed. Includes loans for Puerto Rico in Spanish and the USA.

Also worked for the Miami, FL. District office in servicing the loan portfolio in a credit and collection capacity see below.

Citi Financial Folsom, CA. (12/2007 to 01/2009)

Senior Account Executive

Started in Folsom Branch and subsequently moved to other branches to improve

their productivity; one of top producers in the division in 2008. Originated,

processed and booked over 200 loans in less than one year. In addition to all other

duties assigned. such as business development, account postings, reviews and

adjustments to accounts and new solicitations and servicing.

Omar D. Salinero

Excell Fund Brokerage, LLC Denver, Co. (1/2002-12/2007)

Broker Associate and Investment Partner

Real Estate Broker in charge of leasing, sales and acquisitions of commercial, multi-family and residential properties for personal clients and in-house accounts.

Gold Coast Realty World (1/2000 – 12/2002)

Real Estate Agent Boca Raton, Fl.

Real Estate Agent in charge of leasing, sales and acquisitions of commercial, multi-family and residential properties.

Contributed plans and management expertise critical to organizational efficiency and business growth selling leasing and purchasing commercial properties and investments.

Reviewed performance of new systems and procedures; recommend changes to achieve enhanced capabilities.

Collaborated with banks, lending institutions and investment firms to identify and garner effective financial packages.

Collaborated with executive management in planning, coordinating and developing strategic growth initiatives. Utilized superior networking and communication abilities; consistently build strong professional relations; maintain highest possible standards for client satisfaction.

Identified wide variety of property investment opportunities; managed and orchestrated inspections, financial background investigations, area analysis and financing options to close deal.

Provided superior level of service purchasing and improving rental properties for investors. Oversaw all improvements; authored financial information for sale; supervised agents showing and selling properties and documentation for closings; sold, leased or purchased over $2,000,000 in 18 months.

Public Financial Management:

International Trade Board of the City of Miami (12/1991 – 6/1995)

Economic Development Consultant/Director

On Board of Directors and on staff as Economic Development Consultant: Managed broad and diverse international financial project development and implemented international trade activities for City of Miami government. Worked closely with executives, technical personnel and financial managers; identified and matched funding sources with potential and ongoing projects.

Personally founded non-profit corporation for fund development purposes; identified 100+ project funding sources relevant to international trade organizations; successfully secured over $3MM in grant funding for City of Miami Agencies.

Omar D. Salinero

Authored funding packages and grant materials. Followed-up and implemented improved systems and services.

Provided hands-on trade development activities including coordinating and facilitating trade missions to Central America and variety of Caribbean islands.

Won $2.5M+ grant funds for International Trade & Exhibition Center, for City of Miami.

Developed effective market research studies focusing on attracting new business to downtown Miami and approving over $3MM in grants and loans to small and non-profit firms operating in Miami.

Downtown Development Authority of the City of Miami (8/1992 – 12/1993)

Economic Development Manager

Provided expertise creating, managing, and implementing international commerce and economic development programs and funding initiatives.

Authored in-depth funding studies; created funding viability parameters and identified funding partners and sources to successfully promote trade growth and revenue generation. Obtained over $3.5 Million in grants.

Led development of financial and real estate studies focusing on improving Central Business District occupancy ratios for small, medium and large companies; identified problems and impediments (SWOT analysis); successfully increased ratios 5% - 10% in 2-year period; effectively increased number of operating businesses in district by 25%+.

Promoted international trade issues through newspaper articles, studies and networking; involving board of directors, members and business owners within the downtown core business area.

Education/Teaching

Miami-Dade Community College Miami, Fl. (8/1992-12/1995)

Adjunct Professor (Part Time)

Developed and taught the International Trade Import/Export program whereby students received a certificate after completing five classes consisting of International Trade Management, Marketing, Finance, Logistics and Project Management.

• Received award for one of top programs in Florida for 1994-1995 from Florida Board of Regents

Miami-Dade County and Monroe County Fl. (1992-2002)

Certified teacher in Middle to High School math, economics and Adult education ESL

Banking & Finance

Miami Edge Act Banks and Foreign Banks (1980 – 1995)

Credit Analyst, Credit Manager, Vice President, International Financial Consultant

Orchestrated and led wide range of banking functions, including underwriting, loan reviews, auditing facilitation, credit report examinations and documentation reviews in preparing client bank’s for acquisition and/or audits.

Reviewed, analyzed and graded loans and credit files to successfully pass state or federal auditors' examination for several banks in Miami and Central America, including Banco Atlántico, Banco IberoAmerica, International Bank of Miami, and others.

Previous positions include:

FDIC Bank Examiner Associate (1/1990-10/1991) Audited several banks and savings and loans to determine “CAMEL” ratings. Included review of loan portfolio, management and equity adequacy, as well as liquidity ratios in line with deposits. Attended bank examiner school in Washington D.C. Passed all examinations.

Southeast Bank N.A. Credit/Loan Review Auditor (1/1987-12/89) Reviewed various departments for bank holding company including real estate loans, commercial loans, small business loans, credit card operations, retail branch operations to determine quality of loan underwriting as well as management adequacy, had authority to place loans as non-performing or at-risk with adequate reserves.

Professional Savings Bank- SBA Loan Officer (10/1984-12/86) Worked for the Small Business Lending Department. Underwrote, analyzed, approved and serviced all loans in conjunction with Sr. Vice President and submitted loans for SBA guarantee under their 7-A lending program. Portfolio consisted of $20 million in SBA guaranteed commercial and real estate loans when bank was sold.

US Small Business Administration- Commercial Loan Specialist (6/1982-9/1984) Servicing of commercial loans under SBA guidelines, including work out and foreclosure in cases where repayment ability was inadequate to pay-off loan.

Manufacturers Hanover International Bank - Credit Manager/Analyst (12/1980-5/82) Financial analysis of corporate credit requests for international lines of credit usually $1 million minimum. Included underwriting breakdown of all financial statements i.e., ratios, balance sheet, income statement, cash flow statements and all pertinent financial information to determine adequacy of repayment ability for major Fortune 500 corporations and clients doing business in Latin America.

Racal-Milgo Information Systems – Credit Analyst/Customer Accounts Manager (1/1978-12/1980) In charge of analyzing, underwriting, approving orders and keeping all accounts current for this multi-national computer and modem manufacturer based in Great Britain in Miami, FLA.

Omar D. Salinero

FORMAL EDUCATION/TRAINING

Florida International University

Master of Science in Finance 1990

Minor: International Business 1990

Certificate in Banking - 1980

Bachelor of Business Administration 1977

Major: Marketing Management

Minor: Accounting

INCAE, (Costa Rica University Harvard Affiliate) PAG Top Management Program – 07 to 09-1998

As consultant for corporation CSU (a multinational food conglomerate and currently a WAL-MART affiliate in Central America)*

Real Estate Board: Real Estate Agent, Property Manager and Broker in Florida and Colorado, respectively 1990 to 2006

OTHER COMPETENCIES

Microsoft Windows 8.1; Office 2010 Word • Excel • PowerPoint etc.

Volunteer Officer for several non-profit organizations in community

USAID volunteer Financial Consultant, Change Agent in Central America

*Management Consultant and Change Agent - S.A.P. program change over for Corporacion Supermercados Unidos Costa Rica, 1997-1999

Worked with various functional department heads i.e. Marketing, Finance and Accounting, Retail Operations and Human Resources to determine basic processes essential to initiate S.A.P. program within IT Department functions across all departments. Presently company is a subsidiary of Wal-Mart.

ADDITIONAL INFORMATION AVAILABLE UPON REQUEST

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