President of Easy Mortgage
Fernando Cruz is an experienced executive with more than 24 years of experience in the financial industry. He has worked for various banks in Puerto Rico, such as Scotiabank de Puerto Rico, among others, holding leadership positions in the Mortgage Production and Mortgage Servicing Divisions.
Mr. Cruz holds a BSBA in Finance from the University of Puerto Rico, Mayaguez Campus. Also, Mr. Cruz is a Licensed Real Estate Broker and Licensed Mortgage Loan Officer in Puerto Rico, and member of the Board of the Mortgage Bankers School of Puerto Rico. (MBS)
Mr. Rivera is an investment banker with more than 39 years of experience in the financial services industry. He started in the banking industry at an early age and has worked for global banks such as Citigroup and Wells Fargo, as well as leading Wall Street firms Salomon Smith Barney and Morgan Stanley & Co. Since 2017, Rivera has been a financial advisor. He has served for various clients in the commercial real estate and healthcare industries, as well as start-up operations and credit union advisor. Currently, Mr. Rivera is the director of secondary markets and commercial real estate lending at PMI Financial.
Mr. Hernandez is responsible for managing the overall financial performance and strategic direction of PMI Holdings, an entity engaged in various lines of business such as Lending, Real Estate, Property Management and Insurance. Prior to this role, he was Vice President of Scotiabank International where he was accountable for providing direction to the Retail Lending Unit in charge of Mortgages, Lines of Credit, Small Business and Personal Loans for 27 countries in the Caribbean, Central, and South America regions.
Mr. Hernandez holds a master’s degree in Finance from Webster University in St. Louis, Missouri, and a Bachelor’s Degree in Finance from the University of Central Florida. He has received multiple recognitions from associations and the media including: Banker of the Year and Youngest Entrepreneur of the Year, Rookie of the Year and Franchisee of the Year. He has held leadership positions in several Mortgage and Commercial Associations in the United States, Puerto Rico, and Canada. Mr. Hernandez is also a Certified Realtor and Accredited / Licensed Mortgage Professional in Puerto Rico, USA and Canada.