EFRAÍN SÁNCHEZ CRESPO
Ramírez de Arellano 5-9 Urb.Torrimar
Guaynabo, PR 00966
Top-performing, award-winning bilingual financial services professional with demonstrated track record of career
growth in increasingly responsible positions.
Strong background in consumer and commercial banking, investment planning and loan structuring.
Skilled in identifying and maintaining new business opportunities and client relationships.
Possess effective combination of negotiation, closing, customer management and teambuilding skills that
consistently contribute to operational objectives, even within volatile markets.
Recognized for strong work ethic and respected as contributing team player through consistent collaboration with co-workers,
integrity and commitment to success.
Present Tu Noticia PR Freelance Writer/ Producer Tus Finanzas 2014- present
Provide our lector financial, economic and legal information with the tools and solutions for their needs.
Present Tu Salud Financiera – Financial Program on TIVA TV 2012- Present
Producer and Host
Created and developed the first financial and economic television show in PR, which provides tools and solutions for
healthy finances. It is a live weekly program with global economic news, entrepreneurship guidance and financial tools
targeting entrepreneurs and individuals in their productive time.
Present E² Solutions, Corp 2009-present
Co-created a goal oriented business development firm which provides strategic planning and objective solutions to
entrepreneurs that are looking to meet their annual objectives. Created the E² R+D Program, which includes the three
level systems for success. Reevaluate, reorganize, and restructure PYMES’s businesses, including diversifying the
distribution channels. Achieved a sales increase of 20% in a 3 months period, accomplishing a smooth transition among
the changes implemented.
Doral Bank, San Juan, PR 2008 to 2009
Contribute to organize the main Branch’s Commercial Portfolio through efficient and effective administration and risk
management. Monitor account risks and evaluate credit worthiness. Implement new operational procedures and policies
for the Commercial Banking Department, in the origination process and risk area.
Decreased delinquency rate of the $125 million portfolio’s from 4.86% to 2.93%
Ranked as top performance Business Manager in sales and risk management areas.
Westernbank, Bayamón, PR 2007 to 2008
Commercial Branch Manager
Contribute to effectively organize the Commercial Branch in Bayamón, increasing the business portfolio by $20 million
dollars in nine months. Enhance productivity through efficient administration and the implementation of sales strategies
such as cross selling, synergies among team members and mentoring. Decrease delinquency from 2.49% to 1.45% in nine
months, solidifying the commercial portfolio and increasing profitability.
Achieve the Branch Goals for three trimesters
- Grew commercial portfolio 27.89% in 9 months of 2007
Reduced account delinquencies from $3.5 million to $2.3.
Efraín Sánchez Crespo Page 2
BANCO SANTANDER, San Juan, PR 1996 to2007
Commercial Relationship Manager/Financial Consultant, 1996-2007
Contribute to business growth and profitability through the effective administration of the institution's largest commercial
Portfolio valued in $50 million. Develop service and solidify business relationships with complex commercial accounts to
retain existing revenue streams and identify new business opportunities. Serve as primary point of contact with book of
business to better understand the customer's organizational and financial structure, strategic plans, including budget and
new business development opportunities. Monitor account risks, evaluating financial stability and credit worthiness.
Advise on and promote fee generating services, including investment (401k, KEOGH, IRA, CD), financial, credit and
loan structuring programs, retirement planning, insurance, POS systems and tailor made products/services to support
growth and meet client's specific needs.
Two-time winner of the Top Commercial Relationship Manager Award
- Grew commercial portfolio 35% in 2005 from $37 million to $49.8 million and 30% in 2004.
Reduced account delinquencies from $1.2 million to $84,000.
Sales Coordinator, 1999-2001
Top business driver for satellite bank branch located inside Wal-Mart Super Center selling and cross-selling banking
products and services to new and existing clients, including checking/savings accounts, personal and mortgage loans, CDs
and IRAs. Promoted investment products and referred clients to Securities Division for further workup. Contributed to
new business development for the unit; made cold calls around geographical area establishing client relationships.
Supervised a team of four associates, directed trainings and chaired morning motivational sessions. Tallied ATM daily
cash balances, collected and processed nigh deposits and tracked sales statistics.
Ranked as Top Sales Coordinator, 1999.
Secured 12% of business unit's major client base.
Sales Representative, 1998-1999
Achieved sales and referral goals by actively cross-selling and referring customers to proper bank staff for additional bank
products, services and sales campaigns.
Sales Representative of the Year, 1998.
University of Funiber
UNIVERSITY OF PHOENIX, Guaynabo, PR
MBA Accounting (3.72 GPA)
INTER AMERICAN UNIVERSITY OF PUERTO RICO, Metropolitan Campus, San Juan, PR
UNIVERSITY OF THE SACRED HEART, San Juan, PR
Commercial Credit - Accounting
2004 - Life, Disability and Miscellaneous Insurance License, Puerto Rico Insurance Commissioner Lic.00348
2004 –Mutual Fund Financial Consultant- Series 6 NASD, Santander Securities
Windows 7/2K, MS Office (Word, Excel, PowerPoint) and Internet Search Engines