C

Carla Fraude-Raphan

CEO

Tampa, Florida, United States35 yrs 6 mos experience

Key Highlights

  • Over 21 years as a successful business owner
  • Extensive experience in commercial finance and leasing
  • Strong community outreach and customer service focus
Stackforce AI infers this person is a seasoned professional in commercial finance and e-commerce sectors.

Contact

Skills

Core Skills

Business DevelopmentCustomer ServiceCommunity OutreachSalesCommercial FinanceEquipment LeasingCredit AnalysisCommercial Credit

Other Skills

Strategic PartnershipsTeam BuildingMarketingCustomer SatisfactionRelationship BuildingTeam LeadershipBusiness PlanningStrategic PlanningForecastingFinanceLuxury Yacht FinancingMedical Equipment FinancingPortfolio ManagementTraffic ManagementScheduling

About

After working my way through college. 8 corporate jobs - 1 company went bankrupt; 2 were acquired; 2 merged; and 3 relocated. Moving from CT to FL. Followed by 21+ years as a business owner. I am officially retired! I'd like to thank my customers, colleagues, friends and family who helped me reach this major milestone. I truly appreciate your friendship, support, and professionalism. I wish you the best of luck in your careers and your lives! I still welcome networking opportunities, especially in Pinellas County and the Tampa Bay area. I'm always up for a good cup of coffee! I encourage former colleagues to reach out and enjoy reminiscing with old friends and classmates.

Experience

35 yrs 6 mos
Total Experience
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Average Tenure
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Current Experience

Leisure time industries (company sold - retired!)

Owner - National Wholesale │ Global Retail E-Commerce

Oct 1997Feb 2019 · 21 yrs 4 mos · Greater Tampa Bay Area

  • Leisure Time Industries ("LTI") was a merchant wholesale distribution company. We bought products from a wide range of manufacturers and other distributors, both domestically and internationally, then marketed them to B2C e-commerce companies in the US and Canada. Through our community outreach program, LTI helped non-profit organizations nationwide raise money for their causes.
Customer ServiceStrategic PartnershipsTeam BuildingSalesMarketingCustomer Satisfaction+8

Debis financial services inc - services by daimlerchrysler

Director - Luxury Yacht │ Commercial Marine │ debis

Mar 1995Dec 1998 · 3 yrs 9 mos · Norwalk, CT│Clearwater, FL

  • debis Financial Services, a subsidiary of Mercedes-Benz Credit Corporation, was a $1.4 billion global company that provided commercial finance and equipment leasing products for aircraft, helicopters, luxury yachts, commercial marine vessels, commercial real estate, construction and industrial equipment. In 1998, after the DaimlerChrysler merger, it became DaimlerChyrsler Capital Services.
FinanceCommercial FinanceEquipment LeasingLuxury Yacht Financing

Concord leasing│marine midland bank│hsbc (office moved to buffalo, ny)

Senior Credit Analyst - Medical Equipment

Sep 1993Dec 1994 · 1 yr 3 mos · Norwalk, CT

  • Concord Leasing Inc. ("Concord") was an equipment leasing company specializing in medical equipment, computers, aircraft, graphic arts equipment, construction equipment, and commercial marine vessels. Concord's $1.5 billion loan portfolio was merged into Marine Midland Bank, a unit of HSBC Holdings PLC.
Credit AnalysisMedical Equipment Financing

Us west financial services (acquired by nationsbank)

Portfolio Manager - Commercial Credit

Dec 1991Sep 1993 · 1 yr 9 mos · Stamford, CT

  • US WEST Financial Services Inc. ("USWFS") was a commercial finance company with $2 billion in receivables owned by telephone company US WEST Inc. USWFS focused primarily on leasing capital equipment, leveraged buy-outs, and underwriting senior debt offerings. USWFS had a diverse portfolio of investments including aircraft, commercial marine vessels, commercial real estate, along with specialized construction and industrial equipment. In 1993, USWFS was acquired by NationsBank.
Portfolio ManagementCommercial Credit

Phibro energy, inc. │ salomon brothers (merged with hill petroleum)

Scheduler │ Traffic Specialist - Oil & Energy

Mar 1989Apr 1990 · 1 yr 1 mo · Greenwich, CT

  • Established in 1984, Phibro Energy, Inc. ("Phibro") was an international physical commodities trading firm. Phibro traded in crude oil, oil products, natural gas, precious and base metals, agricultural products, commodity-related equities, and other products. In October 2009, after undergoing multiple mergers and acquisitions, Occidental Petroleum acquired Phibro from Citigroup, estimating its net investment at approximately $250 million. Recently, in January 2016, Phibro was again sold and purchased by Energy Arbitrage Partners for an undisclosed sum.
Traffic ManagementScheduling

Icl datachecker │ fujitsu (office moved to san francisco, ca)

Contracts Administrator - Computer Hardware│Software

Sep 1988Mar 1989 · 6 mos · Stamford, CT

  • Owned by UK-based International Computers Limited, ICL Datachecker ("ICL") was a computer hardware, computer software, and computer services company. ICL offered a diverse product line including mainframe computers, various minicomputers, personal computers, powerful IBM clones, and a range of retail point-of-sale equipment and back-office software. In the 1980s, ICL Datachecker was the third largest company competing in the U.S. market, holding a market share of about 35 percent of supermarkets with installed point of sale systems. In 2002, ICL Datachecker was acquired by Fujitsu.
Contracts AdministrationComputer HardwareSoftware

Neptune computer group, inc. │ goldome bank (portfolio sold)

Lease Administrator - Computer Hardware│Software

Nov 1987Sep 1988 · 10 mos · Stamford, CT

  • Neptune Computer Group, Inc. ("Neptune") was a Connecticut-based firm that leased peripheral devices for mainframe computers. It was owned by Goldome Bank, which at the time was the 13th-largest savings institution in the country with $9.9 billion of assets. After acquiring several failing banks, and later trying to save itself from insolvency, Goldome Bank sold Neptune.
Lease AdministrationComputer Hardware

Ibl corporation │ subsidiary of ibl plc (sold to inspectorate international ag)

Funding Manager - Computer Leasing

Oct 1986Nov 1987 · 1 yr 1 mo · Stamford, CT

  • Owned by UK-based IBL plc, IBL Corporation ("IBL") was a mainframe computer leasing company. Unfortunately, only two years after it went public, IBL was forced into bankruptcy and bought on auction by Swiss-based Inspectorate International.
Funding ManagementComputer Leasing

People's bank

Management Trainee

Sep 1981Oct 1986 · 5 yrs 1 mo · Greenwich, CT │ Stamford, CT

  • People's United Bank, a subsidiary of People's United Financial, Inc., operated 403 branches in Connecticut, southeastern New York State, Massachusetts, Vermont, Maine, and New Hampshire. It was the second-largest full-service bank in New England. In 2022, the bank merged with M&T Bank.
  • Starting as a deferred processor, I was promoted 3 times within 5 years, working my way up to management. Over the course of my years at People's, I worked full-time at three different locations while attending Iona College and getting my Bachelor's Degree in Finance.
BankingCustomer Service

Education

Iona University

Bachelor’s Degree — BBA in Finance with a Minor in Philosophy

St. Petersburg College

American School of Real Estate

Greenwich High School

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