We are experienced commercial bankers with solid backgrounds in Corporate Finance and Accounting.
The firm’s founder and Managing Partner has a Bachelor’s Degree in Business Administration with a concentration in Economics and Accounting from the University of Puerto Rico in Mayaguez, and a Master’s Degree in Business Administration with a concentration in Finance, Investments and Banking from the University of Wisconsin-Madison. He is a Certified Public Accountant since 1995.
For 15 years, he worked in commercial banking where he served as Commercial Credit Officer, Manager, Director of the Commercial Lending Department & Chief Lending Officer during his tenure. Afterwards, he was President and CEO of the Community Bank, Banco Financiero de Puerto Rico, a position which he held until the sale of the institution.
In 2008, he exited the Commercial Banking industry to establish his own firm.
Mrs. Barreto has a Bachelor’s Degree in Business Administration from the University of Puerto Rico – Mayaguez Campus, with a concentration in Marketing and Human Resources Management and continued education in Accounting, Corporate Finance and Financial Analysis. She has 17 years of Commercial Banking experience as a Commercial Credit Officer. Prior to joining Pou Vendrell, Mrs. Barreto worked for Banco Santander de Puerto Rico where she spent 12 years in Commercial Lending.
Mr. Morales has a Bachelor’s Degree in Business Administration and a Master’s Degree in Finance, both from the University of Puerto Rico – Mayaguez Campus. He has 12 years of Commercial Banking experience in positions that include Commercial Loans Credit Officer and Manager. Before joining Pou Vendrell, Mr. Morales spent 9 years as a Relationship Officer managing complex commercial clients under the Special Commercial Loans portfolio of Banco Popular de Puerto Rico.