Transcript Document

Coming Home…a Rural Seminar
in Visalia, CA
Housing & Community
Development
Translating Lines of Business into Jobs
June 14, 2012
Rosa Rios Valdez, CEO
Business and Community Lenders of Texas
www.bcloftexas.org
Guiding Principles:
Achieve sustainability
for the corporation
through strategic
innovation,
competitiveness,
using technology and
collaboration.
People Place
Purpose
TECHNOLOGY
Since 1990, over
4,300 jobs
STRATEGIC
INNOVATION
COMPETETIVE
ADVANTGAGE
COLLABORATIVE
PARTNERS
www.bcloftexas.org
Business & Community Development
Lending Creates Jobs
www.bcloftexas.org
Rural Housing Collaborative
Job Retentions: Bank, BCL, Habitat
=1.25 jobs
Purchase Rural Habitat Mortgage Portfolio
– Wharton, Texas
• Population 8,832
• 39.4% Latino
Zero % Rehab Loans
-- Cuero, Texas
• Population 6,841
• 39.9% Latino
*2010 US Census, www.census.gov
www.bcloftexas.org
Innovation Creates Jobs
E² known as Corporate Social Responsibility ( Financial / Social / Environment)
Line is also
Tripple Bottom Texas
Innovation
The items listed here
are examples of
how to expand our
product mix for
future sustainability
Energy Pricing (Smolen)
Sale of Bonds to Capitalize GREEN Fund
Other Social Enterprise
Texas E² (energy efficiency entrepreneurs/families)
Equity Investments / convert loans to equity
Sears Home Store/Appliance Store
NP Back Office Management
Diversification
Business Plans
Market Studies
Credit Repair
Loan Portfolio Management
Several other Items can be
New Green Loans
Outcome will be incorporated Education.Go Get it
into the 2015 business plan Business Valuations
All items on these lists
require full discussion
Financial
Social
Environment
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Financial
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Social
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Environment
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UPDATE
Salud Corp.
Prob. With Securing Capital
Secured 3 new Accounts
Piloted 4 commercial Green Loans
www.bcloftexas.org
Social Enterprise
Texas Grown & Bottled Olive Oil
11 new jobs projected
www.bcloftexas.org
Salud Corporation
SALUD CORPORATION
Business Analysis
ROI & Managed Growth
Grow Asset Base
Increase Competetiveness
Risk Analysis &
Capital Structure
Due Diligence & Forecasts
Identify Partners &
Develop Business Plan
www.bcloftexas.org
Thank you
copy of this presentation will be made available upon request