HENRY GARCIA, JR.

2411 West Horatio St. #520

Tampa, Florida 33609
(813) 254-7076
Cell (813) 245-1975
An accomplished executive level banking and financial officer with asset based l
ending and operational & financial turnaround expertise. Successful in increasin
g revenues through designing and implementing innovative marketing and networkin
g strategies. A resourceful manager, mentor and trainer who has been successful
in developing well versed banking professionals. Extensive, workout experience.
Bilingual: English and Spanish.
PROFESSIONAL EXPERIENCE:
Mercantile Bank, Division of TSFG, Greenville , S.C. 3/08 to 8/08
Vice President, Asset Based Porfolio Manager for Florida
Asset based division of Mercantile Bank. Responsible for the oversight of all as
set based loans in the state of Florida, reporting to ABL Director.
Presidential Financial Corp. 3/07 to 2/08
Vice President, Senior Underwriter
Responsible for underwriting all credits presented to senior management. Reviewe
d all audits and field work submitted to Florida branch. Advisor to Florida Pre
sident, on structure and advance rates dealing with all new transactions. The F
lorida branch was closed in February of 2008.
BB&T Bank 10/05 to 03/07
Vice President Sales, Asset Based Lending
Responsible for helping the bank develop asset based lending transactions within
the state of Florida.
In my first year increased lead generations and bookings in excess of 250%. Actu
al funded volume was
in excess of $70MM, for fiscal 06.
SouthTrust Bank 2001 to 2005 (Now Wachovia Bank) Vice President
Portfolio Manager, Asset Based Lending
Responsible for safeguarding, loan portfolio in excess of $100mm, direct report
to divisional manager. Asset based lending liaison to Florida Credit Management.
Successfully, coordinated with marketing associates, in receiving approvals of
new credits in excess of $62MM.
Gulf Atlantic Capital Corporation1996 to 2001
Investment Banking and Turnaround Management firm in the Southeast United States
.
Vice President, Marketing Manager Tampa, Florida
Increased lead generation by more than 500%. Develop new relationships with vent
ure & equity capital players, as well as maintain established relationships wi
th regional banks and national asset based financing companies. Developed compa
ny into becoming an industry leader within the Southeastern United States.
Redirected company image from a turnaround consulting firm into a private inves
tment banking firm capable of operating as a turnaround management company and c
ompetent funding and M&A source.
.
Resource Management & Disposition, Inc.1994 to 1996
An Asset Management company catering to banking institutions, insurance & financ
e companies.
Executive Vice President Tampa, Florida.
Co-founder of this litigation support company who assisted banks, insurance and
finance companies in managing properties in litigation. The company's evolution
was directly attributable to personal development of Florida relationships withi
n the legal and banking professions. Managed businesses and operations to safegu
ard collateral, while performing asset management and disposition, receivable an
d inventory audits, and equipment liquidations

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PROFESSIONAL EXPERIENCE continued...

NationsBank - Special Asset Division 'AMRESCO'1990 to 1994

Largest Asset and Special Asset Management company in the Southeast United State
s.
Principal/District Manager/Team Leader
Vice President/Regional Manager of Special Assets -portfolio manager. NationsBan
k and C & S
Directed special asset division, with accountability for managing and developing
five officers in all aspects of loan recovery - negotiations to litigation. Str
uctured complex and resourceful recovery strategies in litigation, as well as ba
nkruptcy. Successfully led team in the collection of assigned portfolio, through
controlling the disposition of problem commercial loans via negotiated workouts
, litigation and credit improvement.
Managed, developed and trained officers who have since been promoted to Team Lea
ders.
CitiCorp North America, Inc. - North America Finance Group1988 to 1990
Vice President/Workout Account Manager Atlanta, Georgia
Recruited to develop initial division strategies to recover special assets after
successfully managing a loan workout account of $110 million as an independent
turnaround consultant.
Reduced CitiCorp's loss exposure through efficient management of special asset p
ortfolio of $309 million and developing successful exit strategies. In addition
to normal account management, consulted to minimize additional credit risks by
analyzing management, operations and potential credit risks of Leveraged and Man
agement Buyouts (LBO's and MBO's).

Independent Turnaround Specialist 1983 to 1988

Controlled financial, operational and management restructuring of several compan
ies as Consultant, Chief Operating and Financial Officer.
Accountable for financial management and administration, improving bottom-line p
rofits, negotiating financing, re-engineering and streamlining manufacturing met
hods, developing management information systems and implementing comprehensive m
anagement training programs.
Improved gross revenues through developing and implementing strategic sales and
marketing programs.
Summit BankCorp. formerly United Jersey Banks & Franklin State Bank 1977 to 198
3
Vice President/Asset Based Lending Officer
James Talcott, Inc.
Field Auditor/Credit Analyst Secured loans..
Peat, Marwick, Mitchell & Company
Senior Accountant, Specialization banks 75%, and hospitals 25%.

EDUCATION
Bloomfield College - Bloomfield, New Jersey - Bachelor of Science Degree in Acco
unting
Affiliations: Secured Lenders of South Florida, Turnaround Management Associatio
n, and the Commercial Finance Association.