MY CV
Experienced Business Executive
Sep 2023 - Present
Commercial Lender
Community First Fund - Berks, Chester, and Montgomery counties in PA.
Bilingual (English / Spanish)
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• Beat annual goal by 70% with two months left in the current fiscal year
• Conducts financial analysis of statement spreads and repayment capacity for borrowers, affiliate business entities, and both corporate and personal guarantors.
• Maintains weekly pipeline and maturities reports.
• Structures loans within loan policy. Champions loan opportunities to the credit department, underwriting and/or Committee for proper approval.
Mar 2022 - Sep 2023
Capital Acquisition Consultant
Widener University. Chester, PA. Small Business Development Center (SBDC).
Capital Acquisition Consultant for Small Business Lending.
Bilingual (English / Spanish). Provided one-on-one consulting services and delivered Capital Formation to growth companies seeking assistance in structuring financing for capital projects and accessing capital. Advised clients of all sizes and created loan proposals. Advised and consulted in areas of business plan development, financial analysis, and structuring loan development. Performed debt coverage ratio analyses and evaluated financial metrics.
Skills: Consulting, small business lending, presenting, conducting workshops, training, and coaching business areas
Feb 2016 - Mar 2022
Competitive Intelligence & Operations Manager - Spain and Latin America
PharmaForce International (PFI). Reading, PA. Global Pharmaceutical Competitive Intelligence (CI) and Market Research.
Pharmaceutical Market Research and Business Intelligence. Research methodologies rely heavily on primary market research derived from one-on-one interviews and in-depth conversations with key industry personnel. Commercial operations benchmarking of global pharma companies and competitive intelligence. Utilized primary research & BI insights with analytics to define the Oncology market landscape and translate that into business actions.
Analyzed both quantitative and qualitative information from multiple sources to formulate well-supported recommendations that were relevant, timely, and actionable. Provided strategic input to the executive team to assist in the formulation of strategic and business plans. Coached and led a team of market research in the US, Europe, and Latin America. Served as an internal consultant to marketing and sales, other business units, and senior executives. Partnered with Information Systems team to evaluate the needs of researchers, finance, and senior executives and translated those requirements into the design and implementation of analytical tools that provided valuable decision-making information to the entire organization.
Feb 2009 - Feb 2016
Director of Planning
Sneaker Villa, dba Villa. Philadelphia, PA
Performed Merchandise Planning & Allocations, Budgeting, Sales Forecasting, Inventory Management and Pricing. Developed long-term Strategic Plan business strategies that supported growth and profitability. Project management. Managed multiple projects from inception to implementation. Worked across entire product life cycle. Developed and utilized analytics, experience, technology, and relationships with field-sales to improve entire planning process. Performed research and intelligence on key markets, competitors, and partners to support company growth. Executive presentations experience. Managed data warehouse and analytics infrastructure for greater reporting and decision-making. Reported on store & style performance metrics & KPIs.
Recommended buys based on user-driven demand targets. Ladder plan at style/color level by door by week. Modeling for new and seasonal products. Optimized size profiling by store. Visual and analytical assortment planning views. Supervision, training and coaching of staff in various business areas (merchandise planning, forecasting, allocations, project management).
Company grew from 15 to 125 stores in eight years, becoming the largest, privately-owned chain of sneakers
Feb 2008 - Jan 2009
Senior Merchandising Planner
Sneaker Villa, dba Villa, Philadelphia, PA
Performed Merchandise Planning & Allocations and Inventory Control. Development of pricing strategies to effectively maintain retail store inventories, sales, and gross margins per operating budget targets. Prepared and analyzed store and vendor performance metrics & KPIs. Performed strategic planning, research, and assessment. Analyzed performance of basics, seasonal, and holiday sales. Reviewing and analyzing OTB with forecasting utilizing “what-if” scenarios. Instituted strategies for allocation and merchandise movement across all retail stores per operating and financial targets. Performed monthly forecasts for in-season trends. Trained, coached, developed, and supervised staff.
Jan 1998 - Jan 2008
Business Planner
VF Outlet, Reading, PA
A division of VF Corporation, the largest manufacturing apparel company in the world.
Merchandising Planner for Jeanswear and Intimate Apparel. Performed merchandise planning & allocations, buying, and management of seasonal merchandise inventory within the corporation’s division. Reported on store & style performance metrics & KPIs. Recommended buys based on user-driven demand targets. Ladder plan at style/color level by door, by week. Development of Business Plans and SBU Plans, according to targeted levels of sales, inventories, receipts, gross margins. Development of merchandising assortment plans by door and region. Analyzing and monitoring of sales and inventory levels to achieve sales and margin targets.
May 1994 - Jan 1998
International Business Development & Marketing Manager
VF Corporation, Reading, PA
The largest manufacturing apparel company in the world.
Bilingual (English / Spanish) business development and marketing at the international level (the Americas, Europe, Asia). Developed business strategy and marketing plans for the licensing division. Responsible for the strategic and tactical brand planning process. Performed in-depth market analyses of business opportunities and market trends that led to new initiatives and market growth, such as entry into new countries. Led implementation of regional and country-specific projects and initiatives.
Worked on domestic and regional advertising campaigns for print and television.