Hima Loan Review

MIGUEL A. PIMENTEL ZERBI, CPA

*** ***** ******

Urb. San Gerardo 787-***-**** Mobile

San Juan, P.R. 00926 e-mail:*****************@*******.***

PROFILE

Experienced banking executive with a strong background in building and supervising financial management aspects of corporate entities. Combine strategic planning and commercial business development expertise with strong technical qualifications to establish responsive action to long-range corporate objectives for growth and profitability. Over 25 years of experience in public accounting working with commercial, industrial, financial services, government and not for profit clients. Provided a wide range of services aside of the traditional audit and accounting services, including financial and operational advice in the areas of business acquisitions, due diligence, evaluation of internal controls, single audits and risk assessment methodologies, among others.

EXPERIENCE

Certified Public Accountant: Financial Consultant 2003 - Present

Professional services to public, governmental organizations and private corporations. Engage in the evaluation of accounting cycle, performs audits and preparation of financial statements for corporations and individuals. Consulting services, debts restructuring and operational engagements.

History of engagements assigned under professional contracts as independent practitioner:

2003-2010 Aquino, De Cordova, Alfaro & Co., LLP

1.Departamento de Instruccion Publica – Single Audit

2.Municipio de San Juan – Single Audit

3.Municipio de Culebra – Single Audit

4.National Guard of Puerto Rico - audit

5.Litigation support engagements – various

2010-2012 LLMD, PSC

1.Assigned to commercial engagements - various

2012-2013 RSM Puerto Rico (Acting as Senior Manager)

1.Litigation support engagements – various

2.Puerto Rico Treasury Depatment – agreed upon procedures

3.QMC Telecom International Holding, LLC – audit

4.Fundacion Luis Munoz Marin – Not for Profit

5.Assigned to other commercial engagements

2013- 2015 QMC Telecom International Holding, LLC

Financial consultant assigned in the consolidation of the currency convertion

of their operations located at Mexico, Brazil and Colombia to US dollars.

2016 Recinto de Ciencias Medica- University of Puerto Rico

Director de Presupuesto del RCM

2016 – 2017 TCRA & Associates LLC

1.Administracion de Rehabilitacion Vocacional – Single Audit

2.Grupo de Hospitales HIMA – audit

FIRSTBANK

San Juan, PR

Vice President, Corporate Banking 1997 to 2003

Local leading financial institution ranked number two in commercial banking and other services. During this period the Bank reflect a strong growing in the commercial loan portfolio as result of a define plan with the selection of key personnel targeted by the institution.

Design and execute business development and relationship marketing strategies to leverage portfolio development, grow assets and increase deposits within a full service commercial banking environment. Identify and solicit new business opportunities, provide financial counsel, manage and cement relations with account base.

BANCO BILBAO VIZCAYA - PUERTO RICO

San Juan, PR

Vice President, Corporate Banking, 199*-**-**** to 1997

International financial institution from Spain, provide full development of services for local and international clients. Sought, initiated and directed strategic planning and portfolio development for domestic and international clients, providing full service financial support and advice. Established and nurtured sound business relationships, developed and grow corporate portfolio while maintaining strict control to credit policies.

Loan Review Officer, 1993-94

Directed the institution’s credit policy application, ensuring health and quality. Actively involved during this period in acquisition analysis and executive negotiations in the acquisition of Las America Trust and Royal Bank of Puerto Rico in the due diligence process.

General Auditor, 1992-93

Full responsibility for the development, execution and presentation of audit plans before FDIC and Board of Directors to ensure compliance with federal and statutory regulatory agencies. Directed a staff of eight professionals.

KPMG PEAT MARWICK

San Juan, PR

Supervising Senior Auditor, 198*-**-**** to 1992

A “Big 6” public accounting firm providing audit, tax and management consulting services worldwide. Effectively progressed to management position. Led audit planning engagements for privately held and public companies (i.e., commercial, manufacturing and distribution, government dependencies), specializing in financial institutions. Produced consistently superior results in all assignments.

Senior Auditor, 1986-89

Semi-Senior Auditor, 1983-86

TOUCHE ROSS & COMPANY (Deloitte & Touche)

San Juan, PR

Semi-Senior Auditor 1979 to 1982

International public accounting and consulting firm. Participated in audit planning and executed audit for private companies. Prepared financial statements, parent company reporting packages, SEC filings and corporate tax returns.

MIGUEL A. PIMENTEL ZERBI, CPA

EDUCATION

UNIVERSITY OF PUERTO RICO, Rio Piedras Campus San Juan, BBA- Mayor in Accounting Cum Laude

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