Vipul C. Kapadia
La Mirada,USA
Summary
Accomplished and results-driven Relationship Manager with over 12 years of experience in commercial lending, specializing in franchise finance and Quick Service Restaurant (QSR) sectors. Proven ability to source, manage, and grow a diverse portfolio of franchisee accounts, ranging from small to large transactions, including syndicated deals. Expertise in building strong client relationships, cross-selling financial products, and collaborating with cross-functional teams to deliver holistic financial solutions. Strong background in financial analysis, credit risk management, and strategic relationship development with a focus on QSR brands with annual revenues of $20MM to $500MM.
Overview
23
23
years of professional experience
Work History
V.P. Relationship Manager, Franchise Finance
SMBC, Manubank
09.2012 - 10.2024
- Successfully established key relationships with major tier-one QSR brands, including Taco Bell, Wendy's, and Popeye's, earning recognition as the top Business Development Officer for 8 out of 10 years prior to the bank's transition from the Business Development Officer program to the Relationship Manager program
- Spearheaded and actively participated in industry events and conferences to maintain a visible presence within the QSR vertical, promoting the bank's reputation as a trusted financial partner
- Consistently exceeded revenue and loan targets by proactively managing accounts and effectively cross-selling loan products and services to meet client needs and drive business growth
- Managed a portfolio of top-tier Quick Service Restaurant (QSR) brands, with annual revenues between $20MM and $500MM, ensuring the acquisition, deepening, and retention of profitable client relationships
- Sourced and managed QSR transactions, including syndicated loans, with a focus on structuring deals that align with the bank's credit appetite and growth objectives
- Collaborated with Portfolio Managers, credit administrators, and product specialists to structure tailored financial solutions for clients, including credit, deposit, and treasury management products
- Pre-screened new deals and add-on requests, working with Credit Administration to secure approvals and present them to the Capital Allocation Committee
- Provided detailed financial analysis, including cash flow projections and financial modeling, to support credit decision-making and loan approval processes
- Hired as a niche employee to help develop the Franchise Finance vertical at SMBC Manubank, contributing to over $1 billion in loan commitments and the growth of the franchise lending portfolio
Branch Manager
U.S. Bank
03.2002 - 09.2012
- Consistently ranked in the top 10% of all California offices, achieving Pinnacle status annually
- Supervised, mentored, and developed branch staff, fostering a positive work environment and ensuring excellent customer service
- Drove branch sales by identifying opportunities, promoting financial products (loans, mortgages, savings accounts), and meeting sales targets
- Built and maintained strong relationships with customers to identify financial needs and recommend appropriate solutions
- Monitored branch performance, analyzed financial reports, and implemented strategies to improve profitability and operational efficiency
- Conducted regular staff meetings, performance evaluations, and provided ongoing coaching and development
Education
B.A. - Principles and Investments
California State University, Fullerton
Fullerton, California12.1992
Skills
- Commercial and Franchise Lending
- QSR Industry Knowledge
- Financial Statement Analysis
- Cash Flow Projections
- Credit Risk Assessment
- Portfolio Management
- Relationship Building
- Loan Structuring
- Syndicated Deals
- Team Collaboration
References
Available upon request.
Timeline
V.P. Relationship Manager, Franchise Finance
SMBC, Manubank
09.2012 - 10.2024
Branch Manager
U.S. Bank
03.2002 - 09.2012
B.A. - Principles and Investments
California State University, Fullerton
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