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Chale Espinosa A

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					                                    Chale (Carlos) Espinosa A.
Planes de Puntaldía # 58                                                  505-270-4442/1953
Managua, Nicaragua                                                        chale@cablenet.com.ni
Financial consultant with over 20 years experience in organizing, managing, commercial banks and
Technology Company. Experience in international banking, including; Wealth Management, Non
Conventional Credit, Trade, Private, and Investment Banking. Founding member ASOBANP 1, the
Nicaragua Stock and the Commodities Exchange.
PROFESSIONAL HISTORY
Present                Financial Instruments for Asset Poor                      Addis Ababa, Ethiopia
September 2008         Land O’Lakes. International /USAID PEPFAR
                 •     Assessment of current credit opportunities available to rural poor.
August 2008            Técnicos en Tasación – Tecnitasa /INSA                    Managua, Nicaragua
January 2008           Marketing - Real Estate Appraisal Company
December 2007          Alimentos Para la Paz Titulo II – Programas de Asistencia, Norte de Nicaragua
November 2007          USAID - Team member SME and Micro credit expert
August 2007           Agricultural Lending and Risk Management SeminarAddis Ababa, Ethiopia
September 2007        Virginia State University – Farmer to Farmer Program/USAID
                 •    Co-lead a six day training seminar for thirty Ethiopian Commercial Bankers
May 2007              Export Promotion Project Evaluation                        Managua, Nicaragua
May 2007               Michigan State University – Food Industry Development Project/USAID
                 • Team member, credit expert, evaluation of small-scale producers
November 2004         Agrícola Ganadera Norteña S.A. (AGANORSA)/Tabacos Valle de Jalapa. S.A. /
April 2007            Matadero El Cacique S.A.                                   Managua, Nicaragua
                      Financial Director agricultural conglomerate
 February 2002        Valle de Santo Domingo - Real Estate Development Managua, Nicaragua
October 2003          Real estate development
January 2002          Business Development Group (BDG)                           Managua, Nicaragua
January 2000          Senior Associate
                 • Interamerican Development Bank (IADB) Honduras. Industry Analysis Honduras
                      financial sector.
                 • Financial valuation of ENITEL the local telephone company.
                 •    Donor analysis Bilateral and Multilateral aid flows USAID and World Bank.
June 1998             UNISYS - Nicaragua                                         Managua, Nicaragua
December 1999         General & Administrative Manager
                 •    Marketing technology solutions to government and banks, P&L Responsibility.
May 1998              Financial Consultant
August 1996           Tourism Sector (Ministry of Tourism/Interamerican Development Bank, IADB).
                 • Rural Finance Project (UNCDF/UNDP) analysis guarantee facility
                 • Bolsa de Productos Agropecuarios (BOLPROES/IDB) Analysis and uses of secured
                      lending using warehouse receipts. El Salvador.
                 •    Proyecto de Apoyo a la Micro Empresa (PAMIC/SENID) Analysis and restructuring
                      of liabilities of twenty Microfinance Institutions. Nicaragua
July 1993 to          BANCO EUROPEO de CENTRO AMERICA (BECA) Managua, Nicaragua
July 1996        General Manager responsible for starting up bank running a commercial bank
May 1993 to           Consultant - USAID                                         Managua, Nicaragua
June 1993             Private Sector Contractor
April 1991 to         BANCO de la PRODUCCION S.A. (BANPRO)                       Managua, Nicaragua
April 1993            General Manager, responsible for setting up and running commercial bank.
January to            STANDARD CHARTERED BANK                                    Miami, Florida
September 1990 Vice President - Manager Private Banking International            Correspondent Banking
September 1983 to     CHASE MANHATTAN BANK, N. A.
December 1989         Private Banking International                              New York, New York
                      Corporate Finance Team                                     Mexico City, Mexico
                      Trade Finance Team                                         San Juan, Puerto Rico
                      Credit Analyst                                             San Juan, Puerto Rico
1
    Asociacion de Bancos Privados

                                                  1
December 1978 to     CITIZENS AND SOUTHERN INTERNATIONAL BANK
December 1982        OF NEW ORLEANS                                         New Orleans, Louisiana
                     Trade Finance Officer and Credit Analyst               Atlanta, Georgia
                 •   Successfully completed bank’s credit training program.
EDUCATION Loyola University -                                               New Orleans, Louisiana
                     B.B.A., Finance                                                      1978
                     Universidad Centro Americana (UCA) -                   Nicaragua Managua,
                     Nicaragua Animal Science Degree                                      1976
CHASE MANHATTAN BANK N.A. - Seminars
        Trust and Private Investment Company Corporate Finance Valuation/Foreign
                     Exchange/Options/Portfolio and Investment Management/International Cash
                     Management Letter of Credit/Bankers Acceptance Seminar/Consultative Selling
UNISYS of Central America - Seminars
        Project Management / Financial Products/Technology implementation.
Academic         Finance Professor at Universidad Americana, Managua, Nicaragua
Languages        Fluency in English and Spanish, understand Italian.
Other activities Founding member of FAMA (Accion Internacional), Member of Nicaragua
References       Available upon request




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