Rachaelina Leonardo

• Developed and maintained relationships with potential customers to increase loan business.
• Reviewed credit histories, income statements, and other financial information of loan applicants.
• Counseled clients on debt management and repayment plans.
• Review and analyze loan applications submitted by businesses, assessing credit risks, and financial viability.
• Conduct thorough due diligence, including analyzing financial statements, tax returns, cash flow projections, and credit reports.
• Prepare detailed written credit analyses, and risk assessments for each loan application.
• Collaborate with loan officers, and other stakeholders, to gather necessary documentation and clarify details regarding loan requests.
• Monitor existing loan portfolios to identify potential risks and compliance issues, and recommend necessary actions.
• Stay updated with industry trends, regulations, and policies affecting lending practices.

• Consult with clients to understand their financing needs and objectives for purchasing or refinancing real estate.
• Assess client qualifications, including creditworthiness, income, and financial history, to recommend suitable loan products.
• Research and analyze lending options from various financial institutions and provide clients with tailored loan solutions.
• Prepare and present loan applications and necessary documentation to lenders on behalf of clients.
• Negotiate loan terms and conditions with lenders to secure the best possible rates and terms for clients.
• Maintain strong relationships with lenders, real estate agents, and other professionals in the industry to

• Consult with clients on buying or selling businesses, assessing their needs and objectives to provide tailored solutions.
• Perform thorough market research and business valuations to inform clients about current market conditions and business worth.
• Develop and implement marketing strategies to promote business listings and attract potential buyers.
• Facilitate and negotiate transactions between buyers and sellers, ensuring smooth communication and adherence to regulatory requirements.
• Provide ongoing financial advising services to clients, including financial planning, investment strategies, and risk assessment.
• Analyze financial statements, cash flow projections, and tax implications to help clients understand the financial health of a business.
• Build and maintain relationships with clients, lenders, and industry professionals, fostering a strong network for referrals and partnerships.
• Stay updated on industry trends, regulations, and economic factors impacting business transactions.

• Reviewed financial documents and records to assess accuracy and compliance with applicable laws, regulations, and standards.
• Identified discrepancies in financial data and recommended corrective actions to resolve them.
• Analyzed trends in financial performance to identify areas for improvement.

• PPE Sales: Managed high-demand sales of masks, gloves, and face shields to healthcare providers.
• Testing Supplies: Oversaw the distribution of COVID-19 test kits, including PCR and rapid tests.
• Vaccine Distribution: Collaborated with healthcare facilities for the distribution of COVID-19 vaccines.
• Medical Devices: Facilitated sales of ventilators and monitoring devices for patient care.
• Telehealth Solutions: Promoted telemedicine platforms, and remote monitoring tools.
• Hormone Replacement Therapy (HRT): Assisted in the sales and distribution of HRT products to healthcare providers.
• Compounding Pharmacy: Worked with compounding pharmacies to provide customized medication solutions for patients.

• Education and Training: Conducted training sessions for healthcare professionals on product use.
• Relationship Building: Developed strong partnerships with healthcare providers to tailor solutions.
• Regulatory Compliance: Ensured all products met health regulations and standards.
• Digital Marketing: Utilized online platforms for product promotion and client engagement.

• Supply Chain: Navigated sourcing and distribution challenges to meet demand.
• Competitive Market: Differentiated products in a competitive landscape.
• Regulatory Adaptation: Adapted to changing health regulations, and compliance requirements.

Proven ability to drive sales and manage relationships in the medical sales sector during the COVID-19 pandemic, focusing on essential products, HRT, and innovative compounding pharmacy solutions.