Summary
Overview
Work History
Education
Skills
Timeline
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SERGIO SOTO

Miami,FL

Summary

Strategic financial leader with over 13 years of experience in SBA, MCA, and Commercial lending. Personally closed over $40 million annually while training and managing cross-functional teams in high-pressure, high-volume environments. Rapidly promoted for streamlining workflows, leading internal innovation, and consistently exceeding performance targets.

Overview

13
13
years of professional experience

Work History

SBA Business Lending Expert

iBusiness Funding
Miami, FL
02.2022 - 09.2024
  • Funded over $40 million annually in SBA 7(a), Express, Micro and 504 loans across diverse industries.
  • Closed 15 or more loans per month, averaging $700,000 per deal.
  • Led intake, pipeline, underwriting coordination, and closing, with full lifecycle ownership.
  • Trained lending staff and authored onboarding systems for national teams
  • Streamlined workflows with leadership, reducing turnaround times and error rates by 30%.
  • Funded the largest deal of the quarter ($3.2MM) in under 90 days.
  • Maintained 100+ calls per day with consistent deal flow and minimal oversight.

Sr. Funding Specialist

Biz2Credit
New York, NY
12.2020 - 01.2022
  • Averaged over 900 cold calls per week to small and medium-sized business clients nationwide.
  • Specialized in MCA, PPP Round 2, and LOC deals, funded 500+ PPP loans per month.
  • Managed deal pipelines for Renesant and Reliant Bank
  • Average deal size: MCA $500K / PPP $1MM monthly
  • Coordinated with senior leadership, and received credit for expedited turnarounds under 14 days.

Financial Services Representative

TD Bank
Morristown, NJ
12.2019 - 11.2020
  • Delivered customized banking solutions for small businesses and individuals
  • Consistently exceeded quarterly targets by over 10%.
  • Conducted financial needs assessments, and cross-sold investment products.
  • Enhanced branch profitability through client portfolio growth strategies

Jr. Funding Specialist

Yellowstone Capital LLC
Jersey City, NJ
07.2018 - 11.2019
  • Specialized in MCA sales, consistently funding over $1.5 Million per month in alternative financing.
  • Conducted over 1,000 cold calls weekly to identify and qualify new business loan opportunities.
  • Verified applicant credit histories, employment status, and references to ensure funding eligibility.
  • Reviewed account histories to assess payment compliance, and credit risk.

Small Business Specialist

JPMorgan Chase
New York, NY
05.2011 - 06.2013
  • Created tailored financial strategies for small business clients, boosting portfolio value by 20%
  • Led outreach campaigns that grew branch revenue by 15%
  • Top performer in service and sales metrics

Education

BBA - Business Administration And Management

Berkeley College
Woodland Park, NJ
06-2018

Skills

  • Loan underwriting
  • Financial analysis
  • Risk assessment
  • Pipeline management
  • Workflow optimization
  • Customer relationship management
  • Salesforce / CRM
  • Microsoft Office Suite

Timeline

SBA Business Lending Expert

iBusiness Funding
02.2022 - 09.2024

Sr. Funding Specialist

Biz2Credit
12.2020 - 01.2022

Financial Services Representative

TD Bank
12.2019 - 11.2020

Jr. Funding Specialist

Yellowstone Capital LLC
07.2018 - 11.2019

Small Business Specialist

JPMorgan Chase
05.2011 - 06.2013

BBA - Business Administration And Management

Berkeley College

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