Expert Details

Expert in Management; Marketing; General Business/Entrepreneurship; Economic Development (BRAC)

Expert ID: 729711 Texas, USA

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Expert has worked in banking and finance for10 years. His experience is in the finance and banking industry; excellent analytical and quantitative skills. Expert also has 12 years’ experience in marketing, strategy development and strategic marketing.
Expert. Expert has worked in retail merchandising and management for 13 years, specifically business experience in industry; merchandising, distribution, supplies chain, inventory and operations management.

Expert has been in teaching, corporate training and curriculum development at the educational level. He also has 7 years of experience teaching at the community college and university level; corporate training, workshops and seminars. He has been consulting for 9 years with small to medium size firms in the areas of baldridge assessments, organizational diagnosis, strategic planning, execution,

Has helped multiple start up ventures and businesses models.Developed strategies for construction plans, budget and financial costs.

Help an organization develop its culture and run assessments.

Expert may consult nationally and internationally, and is also local to the following cities: San Antonio, Texas - Austin, Texas - Round Rock, Texas - Victoria, Texas

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Year Degree Subject Institution
Year: 2010 Degree: PhD/MBA Subject: Entrepreneurship/General Business Institution: University of the Incarnate Word
Year: 2003 Degree: MBA Subject: International Business/Management Institution: Our Lady of the Lake University
Year: 1992 Degree: BBA Subject: Marketing Institution: The University of Texas at San Antonio

Work History

Years Employer Title Department Responsibilities
Years: 2005 to Present Employer: Undisclosed Title: CEO/Founder Department: Responsibilities: Founder of small business corporation startup that focuses on venture capital and acquisitions. The company focuses on four primary industries for its acquisitions. It is interested in acquiring under performing businesses that have potentially high growth and expansion opportunities. The company is both a venture capital acquisition and a consulting firm.
Years: 2001 to 2005 Employer: PAC Inc. Title: Executive Director Department: Responsibilities: Managed and multi-tasked multiple projects in non-profit sector. Responsibilities include fundraising, grant writing, civic duties, committee meetings and marketing. Developed social programs that met the needs of the community center. Developed partnerships with other city and state agencies to fulfill strategic plan of the organization. Responsibilities included:
Developed grants for funding for projects with adult literacy programs and youth literacy programs such as GED programs, after-school curriculums, computer-based instructional courses. Written grant funding for local, state and federal agencies.
Developed partnerships with San Antonio Independent School District schools and City of San Antonio Government departments on joint venture projects for inner city and disadvantaged children residing in the San Antonio area.
Managed agency budget and costs allocation.
Developed relationships with private donors, corporations and foundations to increase agency funding.
Developed curriculum for adult education courses and youth computer based instructional courses.
Managed fundraising activities, board involvement endeavors, staff and volunteers.
Coordinated day field operations in the field office in keeping with the stated mission and goals of the organization.
Planned, supervised and evaluated implementation of the organization’s policies, programs and activities as established by the Board of Directors.
Developed strategic planning and monitored attainment of goals and objectives at the behest of the Board of Directors.
Years: 1997 to 2001 Employer: Well Fargo Bank Title: Marketing Analyst Department: Mesurement and Reporting Responsibilities: Gathered data and information through on-line database searches, read and summarized industry related print media publications, telephone surveys, and industry analyst reports. Analyzed results of direct mail campaigns designed marketing tests for future campaigns and created mail files. Analyzed this information and communicated findings to the appropriate executives.

Database Analysis and Data Mining: managed and multi-tasked multiple projects with monthly sales. Developed monthly reports on region’s performance. Translated marketing needs into analysis designs utilized to understand the business, its products and the industry. Conducted presentations to illustrate the effectiveness of marketing efforts and promotional programs. Consulted with marketing and business unit staff to identify potential data sources and defined business issues requiring marketing database analysis. Provided customer support for business bankers in the Southwest Region. Identified and evaluated potential data sources. Identified opportunities for additional statistical models and participated in development.

Sales Support and Sales Tracking: provided analysis and reporting of marketing and sales across business units, including product and customer attrition. Supported Southwest Banking regions in marketing analysis. Provided support for bankers within Southwest regional concerning financial marketing reports. Provided planning and forecast support for the strategic planning process.

Years: 1996 to 1997 Employer: Reliance Acceptance Corporation Title: Buyer/Loan Officer/Credit Analyst Department: Sales and Credit Responsibilities: Primary responsibility was underwriting automobile loans. Provided loan approvals for clients seeking auto financing for purchases through major car dealerships in San Antonio.

Past Activities and Responsibilities:

Loan Approval Authority: loan approval authority up to $20,000 with vehicle purchase as collateral. Developed business to for major automobile dealerships/franchises throughout the San Antonio area. Negotiated financing contracts with major dealerships in the San Antonio area. Prospected new business contracts with area dealerships. Account management marketing representative and consumer underwriting. Performed extensive credit analysis/investigation to qualify potential clients for automobile loans ranging from $5,000 to $30,000 in a sixteen state area.

Credit Analysis: performed extensive loan underwriting with credit reports, insurance verification and terms. Set terms and interest rates based on the credit risk of the applicant. Audited contracts to meet guidelines and standards for employment and insurance.
Years: 1992 to 1996 Employer: Commercial Credit Corporation Title: Senior Customer Service Representative/Loan Officer/Consumer Loan Underwriter Department: Branch Field Offices Responsibilities: Primary responsibility was underwriting consumer loans. Loan approval authority up to $10,000 with collateral; credit decisions based profitability and the optimal monthly payment terms. Most loans were secured or unsecured based on credit history of the clients Reviewed credit reports from the three major nation wide credit bureaus. Performed extensive consumer underwriting analysis with strong focus on financial audit and debt ratio analysis with the commensurate collateral. Performed some loan accounting with balancing debt ratio with income.

•Credit Analysis: performed extensive loan underwriting with credit reports, insurance verification and terms. Set terms and interest rates based on the credit risk of the applicant. Closed loans and performed extensive credit and loan audits. Loan funds with sufficient collateral to minimized risk.

•Bankruptcy: negotiated account settlements with clients filing U.S. Chapter 7 and 13 Bankruptcy; also negotiated problem accounts seeking the services of Consumer Credit Counseling. Responsibilities were to attend bankruptcy hearings for clients experiencing severe financial issues; also negotiated settlements with clients and/or attorneys representing them.

•Marketing: marketed company’s services to retailers in San Antonio area. Prospected new business to build the firm’s commercial loan portfolio in San Antonio area. Monitored sales tracking for each retailer for trends and marketing opportunities. Developed a branch strategic operating plan to set objectives to meet goals for the year. Developed a business plan for branch operations to increase loan volume. Tracked sales daily and presented recommendations to manager. Managed a branch in Del Rio, Texas. Developed business in the local area to increase loan volume.

•Real Estate Lending and Foreclosure: trained in real estate lending, real estate closings and sales in Tulsa, Oklahoma. Trained in real estate foreclosure process and policy in Baltimore, Maryland. Closed real estate loans in Oklahoma as part of training; performed comparisons with similar properties in area.
Years: 1979 to 1992 Employer: Heb Grocery Stores Title: Retail Clerk Department: Store Operations Responsibilities: Primary responsibilities:
Grocery and retail store operations, merchandising, distribution, in-store operations, vendor relations, supply chain, inventory and operations management.

Past Activities and Responsibilities
•In-store marketing and sales for product promotions; team leader and management of operations team;
•Inventory and merchandise management; coordinated flow of merchandise in store locations; invoice, billing and inventory operations;
•Worked in various departments in store operations: general merchandise, cashiering, produce, grocery and floral departments.
Years: 2009 to Present Employer: Undisclosed Title: Adjunct Professor/Lecturer Department: College of Business Responsibilities: Teach management and business courses to undergraduate students at the university level. Developed class lectures concerning management and business topics, and theoretical principles. Developed curriculum for 16-18 week sessions for courses. Facilitated class discussions with an amalgamation of theoretical business principles, practical application and related business experiences.

Effective in relating personal business experiences as a chief executive officer and business owner; effective in balancing theoretical concepts taught in class with real world application in business. Very effective in developing pedagogy strategies for engaging students in class discussion focused on business concepts and issues in courses.

Developed curriculum for 16-18 week sessions for courses. Facilitated class discussions with an amalgamation of theoretical business principles, practical application and related business experiences. Taught the following undergraduate courses at the university level:

Principles of Management (MGMT 3311) (Thirteen sections);
Principles of Marketing (MRKT 3311) (two sections).

Government Experience

Years Agency Role Description
Years: 2004 to 2004 Agency: City of San Antonio Government-Economic Development Role: Intern/Researcher Description: 2004. CITY OF SAN ANTONIO - Economic Development Department: MINORITY CONTRACT AWARDS Conducted research projects on the City of San Antonio’s Economic Development Department – Business Services:

•Conducted study on Minority/Women’s Owned Enterprises (M/WBE) contracting awards/bids effectiveness. Analyzed and compared percentage goals to actual performance results over a 5-year period from fiscal years 1998 to 2003. Presented research results to management and provided additional data on research findings.

•Developed research survey comparing the City of San Antonio’s M/WBE program’s goals with nine other similar metropolitan cities. The cities that were selected for the study were the City of Atlanta, Austin, Dallas, Denver, Indianapolis, Miami, Phoenix, San Diego and Tucson.

•Developed research survey comparing similar municipal services of metropolitan Texas cities. Researched how the City of San Antonio’s professional services contract bid program compares with other metropolitan Texas’ cities such as Austin, Dallas, Fort Worth and Houston. In addition, reviewed the city ordinance and attended development meetings with the Small Business Advisory Committee (SBAC).

International Experience

Years Country / Region Summary
Years: 2006 to 2006 Country / Region: Mexico/Mexico City Summary: Lived in the country of Mexico for six months. Taught introductory business courses to undergraduate students at the university level in Mexico City, Mexico.

Career Accomplishments

Associations / Societies
•Delta Mu Delta National Business Honor Society
•American Marketing Association (AMA) Pending
•American Management Association (AMA) Pending
•Association for Small Business and Entrepreneurship (ASBE)
•United States Association for Small Business and Entrepreneurship (USASBE)
•The Mission Trails-Rotary Club
•National Society of Leadership

Licenses / Certifications
Awards / Recognition
Research grants and fellowship awards at the college level.
Medical / Professional
Numerous internships and consulting projects.

Publications and Patents Summary
He has authored two books and will have published 5 journal articles. He also has a number of patents.

Additional Experience

Training / Seminars
Expert has provided curriculum develop and taught at the univeristy level for many years. His expertise has been related to main banking and business areas.

Marketing Experience
Working in both the business world and college level has created contacts and insight.

Language Skills

Language Proficiency
Spanish Evaluated by American Council on the Teaching of Foreign Languages(ACTFL) as a Novice-Midlevel Speaker.

Fields of Expertise

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