VINCENT SOTO
Litchfield Park,AZ
Summary
Business banking professional with over 10 years of experience in relationship management and small business lending. Proven track record in asset-based lending, SBA financing, and treasury management, driving revenue growth and client retention across diverse markets. Expertise in leading high-performing teams, optimizing processes, and aligning sales with compliance standards. Strong background in project management and data analysis, focused on enhancing operational efficiency and strategic planning.
Overview
13
13
years of professional experience
Work History
VP, Sr. Business Relationship Manager
JPMorgan Chase & Co.
Phoenix, AZ
07.2023 - Current
- Lead a portfolio of small business clients with revenues ranging from $5MM to $25MM, delivering strategic credit, treasury, and depository solutions
- Serve as a trusted advisor by offering tailored financial products including SBA, CRE, equipment financing, and merchant services
- Drive business development through targeted prospecting, center-of-influence networking, and territory planning
- Partner with internal credit, underwriting, treasury, and service teams to ensure seamless execution and exceptional client experience
- Foster cross-functional collaboration across Chase lines of business, including Retail Banking, Private Banking, and Mortgage
- Organized and led monthly 'OneChase' partner meetings to align business banking goals with other segments, enhance referral pipelines, and educate partners on value-add opportunities
- Mentor junior bankers and support team development through coaching, knowledge-sharing, and best practices in relationship management
SVP, Client Development
CELTIC CAPITAL CORPORATION
Litchfield Park, Arizona
07.2022 - Current
- Facilitate asset-based financing ($500k to $5MM) to non-bankable businesses with revenues from 5mm-60mm in the United States
- A/R Financing and Equipment Financing for working capital
- Business Development in AZ, CO, NV, UT & NM territories
- My approach is to look first at collateral quality and performance
- Review financial statements to evaluate EBITDA/DSC Ratios, But we're more focused on where the company is going than where it's been
- Pre-underwriting deals
- Proposed on over 8mm in Equipment and Lines of Credit Facilities
- Focused on M&A, Debt Refinancing, work-out deals, partner buy-outs, and DIP Financing
- Managed pitch and proposal development processes from start to finish
- Created outreach development tools to facilitate one-on-one meetings, professional speaking engagements and client newsletters
AVP, Small Business Banker
BANK OF AMERICA
Scottsdale, AZ
07.2014 - 07.2022
- Managed existing and self-sourced priority clients and BDO covering Scottsdale, Mesa, Central Phoenix, West Phoenix, Arizona and South Bay, Long Beach, Whittier CA
- Mentoring Jr
- Business Bankers in multiple financial centers, focusing on behaviors to encourage development and to reach their professional goals
- Develops new business by identifying and contacting prospects- promoting conventional and SBA lending
- Along with other bank services including merchant services, treasury management and private banking
- Primarily focused on CRE lending SBA 504, SBA 7a for Equipment and/or revolver to term and Cash Management/Treasury Services
- Guiding business owners through initial application, preparation of credit package, addressing underwriting issues, and through loan closing
- Preparing business profile with extensive writing, in depth profiling of client's business, explaining cash flow strengths, industry strengths, and purpose of loan request
- Daily habits include outbound calls 20+ a day with a pull through of four faces to face appointments, for business priority conversations around lending
- Global cash flow analysis for secured and unsecured lending
- Canvassing/Dripping/Networking
- Cultivating relationships with centers of influences, such as CPAs, Commercial Realtors, and other financial institution professionals
AVP, Financial Center Manager
ONEWEST BANK
Los Angeles, CA
01.2012 - 01.2014
- Manage financial center in Los Angeles, Growing of business and consumer DDA deposits
- Rank #2 in company with net deposit growth quarter over quarter
- Increased branch overall deposits by 12% from 2012-2014
- Referred clients to our SBA team for CRE loans
Education
HIGH SCHOOL DIPLOMA - English and Writing
PRIMAVERA HIGH SCHOOL
CHANDLER, AZ06.2004
Skills
- Financial analysis and credit underwriting
- Business development and portfolio management
- Relationship management
- Cross-functional collaboration
- Regulatory compliance
- Networking strategies
- Team leadership
- Coaching and mentoring
- Presentation skills
Languages
Spanish, Conversational
Languages
Spanish
Professional
Timeline
VP, Sr. Business Relationship Manager
JPMorgan Chase & Co.
07.2023 - Current
SVP, Client Development
CELTIC CAPITAL CORPORATION
07.2022 - Current
AVP, Small Business Banker
BANK OF AMERICA
07.2014 - 07.2022
AVP, Financial Center Manager
ONEWEST BANK
01.2012 - 01.2014
HIGH SCHOOL DIPLOMA - English and Writing
PRIMAVERA HIGH SCHOOL
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