Joe has 25+ years of middle-market financial services experience as an investment banker, CFO/COO, lender, consultant, public accountant, and board leader. He excels with strategic planning, fundraising, FP&A, M&A due diligence, research, pitch deck creation, EOS, and payment processing. Joe freelances to help businesses create value via capital raises, financial and strategic planning, process improvement, and executing M&A initiatives.
Investment Banking - Capital Placement and M&A Advisory Services.
Financial Planning, Research and Analysis.
Fractional Executive Services.
Payment Processing Industry Consulting.
Industry Research and White Paper Writing.
Focus areas: Capital Advisory, Financial Planning & Analysis (FP&A), Strategy, Payment Networks, Payment Processing, Expert Witness, Business Research
Managing Director - Lead Capital Placements & Sell Side
2017 - PRESENT
Inveniam Capital Partners
Managed oversight of capital placements for middle-market clients including underwriting, structuring, deck creation, and direct distribution to debt and equity providers across the manufacturing, distribution, healthcare, franchise, auto dealership, oilfield services, higher education, and consumer finance sectors.
Led or co-led placement activity totaling more than $350 million for middle-market company and real estate transactions in less than one year.
Developed direct relationships with hundreds of debt and equity capital sources including middle-market businesses, commercial real estate, equipment finance, healthcare, agribusiness, and bridge financiers. The capital sources ranged from small family offices to international private equity firms and investment banks like Bain, Goldman, and Apollo.
Developed knowledge of platforms for accessing additional capital sources and capital transaction intel including fintrx, a leading family office database.
Passed series 7 and 63 licensing exams in first six months in the position.
Generated over $100 million in prospect deals, establishing relationships with key executives including CEOs and CFOs.
Advised firm on the creation of template pitch deck and marketing materials.
Managed the oversight of capital placements for commercial real estate clients including underwriting, structuring, deck creation, and direct distribution to debt and equity providers in the multifamily, office, and hospitality sectors.
Focus areas: Middle Market Capital Placements - Debt and Equity, Middle Market M&A , Strategic Consulting
Executive Vice President, COO and CFO
2012 - 2016
Repositioned the business for sustainable growth by identifying the payment sector trend towards integrated solutions providers and leading the transition from a commodity business to a fintech platform that provided integrated payments solutions.
Implemented new organizational management model after identifying the need for enhanced organizational structure, planning and accountability, and led the implementation of a model called the Entrepreneurial Operating System, which is also known as Traction. This effort restructured the company’s planning, management, and operational structures to support the targeted growth plans, leading to the creation of the first formal strategic plan including 1, 5 and 10-year goals, as well as the formalization of the company vision, proven processes, and values.
Created a complete M&A process for the payments industry that included a proprietary Quality of Earnings review process, risk review procedures, custom historical data analysis templates, and a proprietary discounted cash flow model specific to the payments industry.
Created a custom pitch deck for marketing to acquisition prospects, receiving critical acclaim for the presentation and process from industry experts.
Reviewed six acquisitions, completed two and had one in process.
Led the company’s first search for senior, mezzanine and equity capital, developing relationships, creating the presentation and driving the financial modeling effort. Identified and delivered presentations to 35+ capital providers in two months.
Managed the finance and accounting function, maintaining responsibility for the oversight of a 4-person team, the P&L, all budgeting and planning, the management of outside auditors, as well as banking and capital management.
Overhauled primary finance functions and vendor relations including budgeting, financial planning, and reporting; data analytics for 4.000 customers; negotiation of material improvements in bank lending rates and structure. Led the negotiations with Global Payments, a publicly traded backend payment processor, to reduce the company's most significant cost of sales expense item by 37% and to obtain the first-ever retroactive pricing improvement on contract.
Oversaw the rebuild and re-positioning of the information technology team from an internal systems team to a core part of the revenue model to support the conversion to an integrated payments solution company.
Led the IT team to revamp the network, storage, and data management processes, enabling the business to scale while meeting PCI compliance standards that included cloud storage, colocation, on-premise power back up, in-house help desk, and full disaster recovery planning.
Built a team capable of creating and supporting integrated payment solutions including custom web applications, hosted payment solutions, and integration consulting services leading to the successful launch of three software products.
Implemented professional project management processes including hiring staff and integrating project management into all significant initiatives.
Contributed to sales and marketing efforts of the company by building and delivering presentations, participating in strategic planning for large customers and markets segments, identifying and planning the integration of IT and operations resources, and leading negotiation of partner agreements.
Planned, presented, negotiated and managed a major strategic partnership with MasterCard that resulted in significant financial, marketing and strategic benefits to the firm.
Assisted in the negotiation of significant strategic partnerships with the Detroit Lions, Rock Processing as well as community bank referral programs.
Reviewed and assisted in negotiating all material legal documents for vendors, strategic partnerships, acquisitions, bank documents, and employee contracts, managing in-house and outside legal counsel as needed.
Focus areas: Strategic Planning, Financial Planning and Reporting, Oversight of IT, HR, Legal, and Operations, Supported Strategic Partnerships and Sales, Oversight of accounting team., Capital planning and relationship management
2008 - 2012
Your Advocate LLC
Performed M&A due diligence on commercial loan portfolios for community and regional bank acquisitions and recapitalizations participating in 70+ projects, covering over 4,000 loans and $7+ billion in assets.
Co-led a five-month special asset advisory project for a private equity firm that acquired a community bank.
Executed a distressed debt restructuring, leading the counterparty negotiations and placement for a middle-market business.
Approved as FDIC contractor and participated in Loss Share Agreement Audits.
Focus areas: M&A Due Diligence, Special Assets Management, FDIC Contractor, Troubled Debt Restructuring, Compliance Audtis
Vice President - Middle Market Commercial Lender
1994 - 2008
Various Commercial Banks
Originated more than $100 million in middle-market loans.
Managed commercial loan portfolios for 30 borrowers and over $100 million in assets.
Originated commercial revolving lines, asset-based lines, term loans, real estate loans, trade letters of credit, and standby letters of credit supporting industrial development revenue bonds.
Worked with and provided loans to a range of industries including automotive design, manufacturing, and services, airlines, wholesale clothing, wholesale industrial, wholesale automotive, building supplies, construction.
Managed distressed and non-performing asset relationships, eliminating any bank losses.