Manager Vice President

RONALD A. CASTROVINCI

** ******** ***** *: 845-***-****

Patterson, NY 12563 C: 845-***-****

******@*****.***

SUMMARY

Accomplished credit/risk professional with over 25 years of leasing and

credit analysis experience. Gained exposure to various industries including

healthcare, energy, franchise, retail petroleum, machine tool, construction

and printing. Strengths include internal management reporting and analysis,

portfolio acquisitions, credit negotiations, documentation and and new

vendor program agreement reviews, due diligence site visits, remedial

restructures, approval and reporting of bad debt write-offs, development of

policy and procedures,. Excellent organizational, communication and

leadership skills with proven ability in managing up to 14 staff members

and developing them to attain corporate objectives.

PROFESSIONAL EXPERIENCE

SG EQUIPMENT FINANCE USA CORP, Jersey City, NJ 2009 - present

Senior Credit Officer

. Review and recommend mid and large ticket transactions for various

industries

. Created procedures and forms for the Company's Vendor Program approvals

. Assist in the training of junior and newly hired credit officers

. Established credit criteria to be used for customers in the healthcare

industry

GE CAPITAL (F/k/a Citigroup), Danbury, CT 2003 - 2009

Vice President - Segment Credit Head, Healthcare & Energy Division (2006 -

2009)

. Management responsibility for a staff of three senior credit officers.

. Lead analyst for all portfolio acquisitions, including credit and

documentation review

. Coordinated healthcare portfolio acquisition in the amount of $75MM.

. Lead role in the development of segment's Policy and Procedure Manual.

. Responsible for portfolio performance and the development

of action plans to improve its performance.

. Interface with legal department in the development of non-standard

documentation and new Vendor Program Agreements.

. Led the transition of Healthcare & Energy's Vendor Markets Group to a new

office and for the staffing of a new

credit department.

Vice President - Credit Officer, Healthcare & Energy Division (2005 - 2006)

. Reviewed large ticket transaction for the healthcare industry.

. Assisted in development of policies and procedures to improve

productivity.

. Negotiated lease documentation.

. Processed annual reviews for customers with exposure in excess of $1.0MM.

. Performed due diligence site visits for customers with exposure in excess

of $10.0MM.

Assistant Vice President - Credit Officer, Material Handling Division (2003-

2005)

. Reviewed large-ticket transactions for Material Handling customers.

. Held responsibility for large dollar customers.

. Assisted in the training of new / junior credit officers and the

distribution of workflow.

QUESTECH FINANCIAL, LLC, Danbury, CT 1998 - 2003

Vice President Credit Operations

. Assisted in the development of the Company's Policy and Procedure manual.

. Provided for the operational review of all prospective programs.

. Reviewed and approved transactions for various industries including

franchise, retail petroleum, printing and healthcare.

. Established credit criteria for new programs.

. Assisted in the securitization of over $200MM in loan transactions.

RONALD A. CASTROVINCI ******@*****.*** Page

Two

NEWCOURT FINANCIAL USA, Danbury, CT 1997 - 1998

Senior Credit Officer

. Acted as administrative liaison for assigned program issues.

. Reviewed and approved transactions for various industries including

franchise, machine tool, printing and healthcare.

. Managed the department workload distribution.

. Developed reporting for both Credit and Marketing Departments.

CITICORP, Harrison, NY 1995 - 1997

Assistant Vice-President

. Reviewed and approved large ticket transactions for various industries.

. Performed due diligence on prospective portfolio acquisitions.

. Assisted in the negotiation of all documentation changes.

. Prepared annual vendor reviews for presentation to senior management.

GENERAL ELECTRIC CAPITAL CORPORATION, Danbury CT 1987 - 1995

Credit Analyst, Vendor Financial Services (1988 - 1995)

. Provided for sound credit decision, proper documentation and timely

funding.

. Reviewed business and financial information on prospective vendors and

made credit recommendations.

. Negotiated credit terms and required documentation.

Account Administration Manager (1987 - 1988)

. Provided for the review, analysis, approval and reporting of bad debt

write-offs.

. Managed daily cash application for an operation with a total account base

of $2.0B.

. Provided managerial direction to a staff of 14 representatives supporting

specific leasing portfolios.

. Developed a departmental operating procedural manual.

XEROX CORPORATION, Stamford, CT 1981 - 1987

Region Credit Manager

. Held management responsibility for a staff of 10 credit representatives.

. Primary contact for major account and high volume customers that did not

maintain a current receivable position.

. Reviewed, recommend and approved items for write-off

EDUCATION

Master of Business Administration

Long Island University, Dobbs Ferry NY, 1986

Major: Financial Management

Bachelor of Business Administration - Major: Finance

Pace University, Pleasantville, NY, 1981

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