I believe access to capital shouldn't be limited by bureaucracy or lack of guidance. Through Trace Impact Consulting, I help Credit Unions and CDFIs turn small business lending into a powerful tool for economic growth.

 

My upbringing was split between two worlds: a brownstone in Brooklyn, NY, and a humble home in Puerto Rico. Experiencing both sides of the socio-economic spectrum shaped my passion for financial inclusion and economic empowerment. Growing up, I faced financial challenges and lacked access to guidance when it came to higher education. To overcome this, I worked multiple jobs while attending college full-time, an experience that reinforced my drive to help others navigate financial systems and access opportunities.

 

I founded Trace Impact Consulting to help Credit Unions and CDFIs develop and scale small business lending programs through expert underwriting and education.

 

With over a decade of experience in impact finance, I have underwritten over $10 million in small business and SBA microloans and managed a sizable loan portfolio while leading a team of underwriters at Renaissance Economic Development Corp. My expertise in credit risk, financial analysis, and loan structuring has helped mission-driven lenders strengthen underwriting standards and expand access to capital for underserved businesses.

 

At Inclusiv, I developed and led a national small business lending training program, equipping 80+ credit union executives, CEOs, and board members with the knowledge to launch and scale lending programs. I have also provided direct consultation to credit unions (ranging from $1M to $1.5B in AUM), helping them navigate NCUA and SBA lending regulations, optimize their loan processes, and expand their small business lending capacity.

 

​I am committed to strengthening the impact finance ecosystem by equipping lenders with the tools to underwrite loans responsibly and educate their teams for long-term success.

 

Outside of work, I enjoy traveling, cooking, and spending time with my wife and son.