MANUEL J. VALIDO

ad32t7@r.postjobfree.com

**** ** ** **.

Miami, Florida 33165 Cell Phone 305-***-****

SUMMARY

Highly productive finance professional with over 30 years’ experience in the Finance Industry including Real Estate, C & I Lending, International and Domestic Corporate Trade Finance, Construction Lending, and Correspondent Bank Lending. Officially Credit Trained via Barnett Bank. Excellent communication and interpersonal skills.

EMPLOYMENT HISTORY

Cleanfund, Inc. August 2021 – Present

Managing Director

• Responsibilities consisted of leading a team for Loan Production nationwide. Performed repayment analysis and background verification on sponsors before submitting to full underwriting. During tenure, received over

$200MM in Commercial Real Estate Loan Approvals. Loan approvals comprised of Ground up Construction Projects, Retrofits and Reimbursement transactions. Cleanfund has lost their funding partner and closing their doors on 4/30/24.

Poppy Bank December 2020 – August 2021

Vice President

CPACE Account Manager

• In charge of Loan Production for the State of Florida. During tenure produced over $134MM in loan approvals comprised of Ground up Construction Projects, Retrofits and Reimbursement transactions. Advanced Mortgage Lenders, Corp. April 2018 – December 2020 Director of Business Development

MLO 894593

• In charge of generating Commercial and Residential Loans. Since inception have generated $14 Million in Residential Loans and $18.2MM in Commercial Real Estate and C&I Loans. City National Bank April 2017 – April 2018

Vice President

Business Banking

• Responsible for the generation and all types of commercial loans and related deposits. Since inception, loan officer has generated over $12MM in loans and $8.5MM in related deposits.

• Also, in charge of $125MM loan portfolio and responsible for all portfolio ticklers and maturities. IHS Hialeah, LLC Nov 2013 – Feb 2017

Vice President/CFO

• In charge of all financial aspects of the company including financial oversight of a 260 Bed Acute Care Hospital

(Palm Springs General Hospital).

• Manage the accounting & business departments comprised of 18 employees.

• Manage the Revenue Cycle of the Hospital and increased Revenue by incorporating policies and procedures that increased revenue.

• Completed the Certificate Program of Six Sigma Green Belt from Villanova University. Instituted throughout Hospital the program of “QUEST” Quality, Efficiency, Safety and Transparency. Marquis Bank Nov 2012 – Nov 2013

Senior Vice President, Commercial Lending

• Managed Bank’s Commercial Real Estate and Corporate Lending portfolio. Loans consisted of warehouses, trac housing, Condo conversions, apartment building financing and construction financing.

• Generated over $12MM of funded loans and additional $7MM in depository relationships. Managed and increased the bank’s existing portfolio to over $120MM. Sun American Bank/First Citizens Bank April 2005 – Nov - 2012 Senior Vice President, Regional Lending Manager

• Performed since 2008 Special Asset Management working with Bank’s Counsel to restructure non-performing credits. Actively maintained loans performing to prevent further downgrades.

• Additionally sold over $15MM in Notes and Bank’s REO’s.

• Initially responsible for Bank’s Commercial Lending Portfolio under Sun American Bank ($85MM). Loans consisted of construction, owner occupied, shopping center, multi-family residential, UCC or other non-real estate, and unsecured loans.

• During tenure, supervised team of 3 including support staff. Managed entire portfolio including maintaining files with current financial and insurance information. Deposits totaling $15MM ranged from checking, Money Market, Savings and CDs that were generated by respective existing and new businesses. Ocean Bank Miami, FL Nov 1993 – March 2003

Senior Vice President, Domestic Corporate Trade Finance

• Established the Domestic Corporate Trade Finance division, growing portfolio to >$100MM in domestic

(Commercial lending) finance-related products including Eximbank, AIG and private credit insurance facilities, construction Loans, Mini Perms, Warehouse Financing, and to existing Trade Finance borrowers.

• Primarily managed entire banking relationship for bank clients. In addition, generated >$60MM in customer depository relationships as a result of commercial lending relationships.

• Supervised a staff of 3 lending officers along with support staff. Year 1 Initial goal was approx. $5MM and at FYE 12/31/94 total funded loans/lines amounted to $15MM. BARNETT BANK of SOUTH FLORIDA, N.A., Hialeah, FL Jan 1986 – Nov - 1993 Commercial Loan Officer (CLO)

• Business development for Commercial Loans including Term Loans, Time Loans, Commercial Real Estate, Lines of Credit, Letters of Credit, etc.

• Served as acting Branch Manager at the Hialeah Gardens office for 4mos.

• Completed the Management Associate Program including 5mos of Commercial Credit Training. Credits ranged from $2MM to $25MM. Trained in Installment Lending at branch level. EDUCATION

FLORIDA INTERNATIONAL UNIVERSITY, Miami, FL Dec 1985 Bachelors in business administration, Double Major Finance and Marketing MIAMI DADE COMMUNITY COLLEGE (South Campus), Miami, FL May 1983 Associate in arts degree, Concentration in Business Administration COMMUNITY INVOLVEMENT

Muscular Dystrophy Association, Participant in annual fund-raising programs. Latin Chamber of Commerce, Member

Latin Builders Association, Member

Beacon Council, Member

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