Edi Santos U S Marine MBA

Business Development Professional working primarily on SBA 504 Lending.

Business Banker Specializing in Commercial Lending: Owner User Commercial Real Estate Financing Lines of Credit Equipment Financing Practice Loans (Dentist/Doctors/VETS) Partner Buy Outs Expansion Loans Apartment / Investor Real Estate Financing

As the Founder of CaliGreenTurf.com I saw firsthand the dramatic environmental changes we have experienced here in California. Water restrictions have been put in place to help with this drought emergency. My intentions are to help conserve water, save the environment, and keep California Green! Fresh out of High School, when I was 18 years old, I joined the Marine Corps It was here I discovered my core values, integrity, commitment, and courage. As a Marine we were taught to strive for perfection. My experiences in combat during “Operation Iraqi Freedom” gave me a real sense of brotherhood, which I carried over into my career as a banker. Every day as a Business Banker I worked with hundreds of entrepreneurs and saw countless business models on what it takes to make a business succeed. This experience has proven invaluable and given me the confidence to start California Green Turf. After financing 100 million dollars in assets, I’ve realized my passion for people, and making a difference for others is my true calling. It gives me joy to know California Green Turf is helping people adopt a sustainable way to live.

My Formal Job Description: I specialized in acquiring new business and deepening relationships with existing clients that generate revenues between $250,000 to upwards of $20MM. I am personally able to interpret business and global cash flow based on business tax returns, personal tax returns and personal financial statements. I am fully capable to do my own business write ups for credit review, where I uncover and mitigate inherent risks within companies, explain succession plans and describe the competitive advantages of a particular business etc. DISC Assessment Peer and Personal Results: (Id)/(Ii) Sales Skills: I am ultimately seen as a natural sales person, with an innate ability to establish rapport with decision makers. I bring a large amount of energy and enthusiasm in any work setting that I'm involved in. I am able to efficiently and easily network events and uncover prospects for new business relationships. I have experience in working with: 1. Commercial real estate 2. Loan brokers 3. CPAs and other COI's 4. Doctors and Dentists 1. Commercial Real Estate SBA Transactions (SBA 504) 2. Secured and Unsecured Lines of Credit 3. Equipment Financing 4. Letters of Credit 5. Payroll Services 6. Merchant Services 7. Opening of Business Accounts 8, Remote Check Deposit 9. Positive Pay (Fraud Prevention) 10. Online Invoicing 11. Online Wires Leadership Experience: I was the designated business lending "Champion"​ to a group of 10 other Small Business Bankers. I conduct personalized credit training sessions with them so that they are able to understand the fundamentals of lending(cash flow) and the process required to book loans. Additionally, I provide sales training and coaching to each individual banker to better assist them in achieving optimal organizational and personal performance. Feel free to contact me if you'd like to set up a personal appointment.

Leadership: Using a combination of Transformational and Situational leadership style, I coached over 20 Business Specialists who served various banking centers throughout the Los Angeles area. I developed informal but effective credit training classes via Powerpoint at the Business Banking Hub in El Segundo where I taught the bankers how to quickly interpret tax returns to determine whether or not a loan had "legs" to stand on. I also taught the bankers how to cold call and prospect for new business. I ensured that they retained both the credit and sales knowledge by testing them after each learning session. I coached the bankers on how to face their fears when dealing with clients, helping them practice dialogue that was both engaging and easy for them emulate at their banking centers. This unconventional approach produced a very energetic team of bankers who increased both their morale and performance dramatically during my tenure as their CLO. Formal Job Description: Specialized primarily in loan production in Year 1 Specialized in both depository products and loan production in Year 2 Completed Wells Fargo Credit Training in 2010 Canvassed, and cold called to find and generate new loan production. Worked closely with Client Managers, Business Development Officers, SBA Loan Officers and Business Specialist that sat at the banking centers to generate loan production. Additionally, I worked extensively with Commercial Real Estate Brokers, Loan Brokers, CPAs and other COI's in order to generate new business. Products and Services Sold: 1. SBA 7a, 2. SBA 504 3. Conventional Loans/Equipment Finance 4. Lines of Credit 5. Treasury Management Services 6. Deposit Acquisition 7. Foreign Exchange 8. Referrals to Private Bank (Wealth Management) 9. 1031 Exchange Desk 10. Letters of Credit

Top Nation-Wide Producer and Senior Account Executive for an independent, nationwide equipment financing and leasing company. I specialized in developing new business with businesses that generated between $20MM to $200MM. Cold called CFO's, controllers and VP's of Finance and IT's in order to solicit business. Expert in multi prong marketing efforts to solicit bids of large business capital acquisitions. Personally crafted Operating Leases that qualified for FASB 13 and TRAC Leases. Took multi marketing approach (Calling, emailing and hard mailers) to solicit new business and keep existing business thriving. 1. Capital Leases (1%, $1.00 Buyout) 2. Operating Leases (FMV) 3. FASB 13 Leases (a. Non Bargain Purchase Price b. No automatic Transfer of Ownership, c. Present Value of Payments cannot exceed 90% of original purchase Price. 4. TRAC Leases (Terminal Rental Agreements Contracts)

Provided marketing research and presentation preparation for senior brand managers. 1. Understanding of Logo / Brand Restrictions 2. International Marketing Strategy and budgeting strategy 3. Clear understanding of targeting American Films for International Distribution 4. Able to compile marketing strategies and year end efforts/results via powerpoint for top executives

As an Airborne, Field Radio Operator, I worked with a 4 man team during my deployment to Iraq to assist coalition forces in Air, Artillery and Mortar support. When not in a combat environment, I consistently provided leadership to junior Marines to assure that they maintained optimal operational readiness through both technical education and strenuous physical training. Earned an Action Combat Ribbon 2003 and was honorably discharged in 2004 after 8 years of service.

Prospected and called on leads to secure new revenue streams within the Los Angeles region. Responsible for maintaining existing business relationships with a large book of business