Harold Gartner

Executive Director @Gartner Asset Management

💼 C-level Executive👍 Sales & BizDevInvestment BankerInvestor RelationsPortfolio Manager🧨 Consulting🏦 Finance

Revenue Generation | Reputation of Integrity | Expertise, Experience & Dedication Accomplished Senior ABL Executive with 25+ years of trusted leadership experience. Participated in over $30 Billion in ABL transactions. Noted expert in complex structured finance, asset-based lending, alternative finance, SMB/SBA lending, receivables finance, healthcare finance, FinTech, lender finance, principal finance, ABS/asset securitization, capital markets, sales & marketing, credit risk management, M&A, corporate finance, IT implementation, and BPO outsourced solutions. Proven effectiveness and track record implementing strategic planning initiatives to serve clients, develop and manage partnerships, increase revenue, and enhance profitability and returns for stakeholders. Highly motivated, detail-oriented, driven and passionate.

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Work Background

Quantum Financial TechnologiesSenior Director

Jan. 2024New York, United StatesFintech SMB lenders Camino Financial and Fundation Group merge to form Quantum Financial Technologies. I'm pleased to announce my career move to rejoin Fundation Group and its merger with Camino Financial, forming Quantum Financial Technologies. LOS ANGELES and RESTON, Va., Sept. 28, 2023 /PRNewswire/ -- Camino Financial and Fundation will combine to create a new, full spectrum SMB lender providing credit solutions to fund the growth of small businesses. Camino Financial, a community-driven lender offering credit solutions to overlooked or minority-owned businesses is acquiring Fundation, a premiere, tech-enabled lender to small-and-mid-sized businesses ("SMBs") and specialist in bank channel partnerships.

KM2 SolutionsSenior Director

Jan. 2021 - Dec. 2023The KM² Solutions mission is to develop long-term relationships with each client through unparalleled service and attention to detail. We are a Business Process Outsource ("BPO") solution across a wide variety of industries including financial services and healthcare, providing Collections, Healthcare Revenue Cycle Management, Customer Care and Patient Support Services through 6 nearshore state-of-the-art facilities at HALF the cost, saving our clients $$Millions with better outcomes and improved metrics in an omni-channel fashion. Not only do we become an extension of your brand, but we also become a strategic partner, driving operational efficiencies along with customer satisfaction. We combine our technical expertise, bilingual capabilities, and nearshore Caribbean and Latin American facilities to ensure the highest performance possible.

PurefyPresident & Chief Revenue Officer

Jan. 2021 - Mar. 2022Washington DCFinTech Student Loan Marketplace. $1.6 Billion in Student Loan originations through strategic partnerships. Drive revenue across all channels. Create new strategic partnerships to offer new product lines, broaden audience and brand recognition, increase enterprise PE valuation & EBITDA, , minimize risk, sales & marketing, and business development. Our state-of-the-art online digital platform provides custom-tailored solutions for banks, credit unions, and finance companies as direct student loan lenders. Parents, Students and Grads...Follow our link below, compare rates and maturities and see how Purefy can help save you $$money !! Great time to refinance and consolidate your student debt.

FundationSenior Director

Jan. 2016 - Dec. 2020Greater New York City AreaStrategic Partnerships, capital deployment, business development nationwide, 300+ partnerships with daily pipelines. • Top revenue generator: Digital online FINTECH lending. State-of-the-art platform. Partner and customer facing. • Created 300+ partnerships, resulting in 6,500+ digital loan applications with high-yield results • Sales & Marketing, revenue generation supported by digital tech teams. Working closely with credit risk officers. • Made partner presentations and created product training materials to onboard new partners.

Newtek Business Services Corp. (NASDAQ:NEWT)Executive Managing Director - Newtek Business Services Corp

Jan. 2015 - Dec. 2016Greater New York City AreaSBA Lending, Accounts Receivable Finance, Credit Card Merchant Processing Solutions, Payroll and Insurance Services.....a full suite of products and services geared to small to medium sized business owners.

Newtek Business Credit - A Division of Newtek Business Services Corp.President & COO - Newtek Business Credit

Jan. 2014 - Dec. 2016Greater New York City AreaDirector: Board of Directors, Newtek Business Credit Director: Risk Management Committee Voting Member of 2 Credit Committees: SBA Credit Committee and Receivables Finance Credit Committee Strategic Partnerships and business development, nationwide, hundreds of partnerships with daily pipelines. • $250M+ in Asset-based / SBA lending, Receivables Finance opportunities annually • Revised credit risk policies, steam-lined operations, hired and promoted managers, originated hundreds of transactions. • Engaged 100+ alliance partners, revenue generation for all service lines. • Revised all marketing materials. Trained sales professionals and lending officers.

US Healthcare Financial Group, LLCPresident & CEO - Founder

Jan. 2010 - Dec. 2014Greater New York City AreaFounded and led industry consolidator to acquire and merge synergistic platforms servicing and financing healthcare assets for major hospital and non-hospital healthcare providers. Sourced $150M private equity sponsorship, targeted 300+ acquisition candidates. • Founded specialty finance company which was sold to a U.S. bank holding company. • Completed M&A consolidation in the largest U.S. industrial category. • Created and administered unique executive roundtable forum for hospital executive, healthcare receivables management. • Consultant: Structured Finance, Receivables Management, and growth via Mergers & Acquisitions. As President & CEO of US Healthcare Financial Group, we work with revenue cycle management, finance professionals, Healthcare Providers, and medical practice managers offering financial solutions, outsourcing, and capital in target opportunities in the US healthcare sector including making equity investments in healthcare receivables servicing companies. We make investments in healthcare receivables owed to Healthcare Providers. Revenue Cycle Management Specialists.

Consultant and Advisory Services ProfessionalConsultant & Advisory Services Professional - Interim EVP

Jan. 2008 - Dec. 2010New York, New YorkExpertise for clients in structured finance, receivables finance, distressed investing, and credit risk analytics. Managed creation of asset-backed commercial paper conduit for $4B mortgage originator. Interim EVP for receivables management company, 100 direct reports and $1 Billion assets under management. Reduced expense, grew revenue, and exceeded performance metrics. As Interim EVP, Managed team of 100 employees dedicated to accounts receivable servicing. Lead the implementation of analytic/predictive collection scoring and process improvement leading to lower costs and increased productivity. $1Billion of assets under management. In charge of overall business development.

Morgan StanleyExecutive Director

Jan. 2006 - Dec. 2008New York, New YorkGlobal Capital Markets, Securitized Products and Principal Finance. Developed distressed debt buying, selling, and trading capabilities from ground level as Division Co-Head. Client facing Liaison to Investment Banking and Corporate Finance Divisions covering major institutional clients. Origination, structuring, sales & trading, and committee presentations. Asset-Based Lending, Structured Finance, Lender Finance and ABS Securitization expert. Focused on healthcare, automotive, credit card and telecom sectors – debt and equity capital markets. Directed legal teams, due diligence, rating agencies, and third-party servicing of all assets.

Consultant & Advisory Service ProfessionalConsultant & Advisory Services Professional - Retained by Goldman Sachs, SSG

Jan. 2004 - Dec. 2006New York ,New YorkExclusively retained by Goldman Sachs, Special Situations Group. Sourced and advised on opportunities to principal finance and workout distressed consumer debt, including credit card, automotive, home equity, telecom. and self-pay medical debt.

Promontory Financial Group, an IBM CompanyCo-Founder, Managing Member - Promotory Asset Finance Company

Jan. 2003 - Dec. 2005Greenwich, CTAn affiliate of Promontory Financial Group, a Washington, DC-based bank regulatory and compliance consulting firm founded by Eugene Ludwig, Controller of the Currency under the Clinton Administration. I am a Co-Founder of Promontory Asset Finance Company and Freedom Park Capital, a unique Asset-Back Commercial Paper conduit where we employed our proprietary patented synthetic liquidity structure to support the issuance of $2 Billion of high-grade commercial paper through Bank of America, financing various types of commercial and consumer assets. .

INGDirector - Senior Banker, Global Client Relationships

Jan. 2001 - Dec. 2003New York, New YorkOriginating, structuring, closing and maintenance of ABS and ABCP transactions in the $11 Billion ING-sponsored Asset-Backed Commercial Paper conduit. Covered major ING Global Clients including GE Capital, major US banks, commercial aviation, trade finance, and entertainment (film and music) sectors.

Daiwa Securities Capital MarketsSenior Vice President

Jan. 1997 - Dec. 2001New York, New YorkPrincipal Finance, Structured Finance, Distressed Investing, Subprime Finance. Purchased, Collected, Sold and Traded over $2 Billion in uncollected receivables across various consumer sectors. Established Daiwa Consumer Capital Services, LLC dedicated to principal finance of all types of consumer receivables. Responsibilities spanned US and Asian markets.

Gartner Asset Management, LLC - Member, NASDFounder, Principal, Managing Member

Jan. 1995 - Dec. 1997New York, New YorkActed as principal investor, adviser, private placement agent, and due diligence coordinator on $1.4 billion in receivables-based transactions including healthcare, credit card, and automotive. Co-invested with a $5 billion hedge fund. Gartner Asset Management NASD broker/dealer registration completed 10/96.

Nomura SecuritiesDirector - Group Head, Structured Finance & Asset Backed Securitization

Jan. 1993 - Dec. 1995New York, New YorkStructured Finance, ABS, Distressed Investing, Subprime Automotive Finance, Securitization. Originated warehouse credit facilities for finance companies. Purchased, collected, traded and sold over $2 Billion in uncollected receivables. Market maker, debt buyer, and senior trader in charged-off credit card debt. Responsible for all aspects of purchasing, liquidating, servicing, financing, and trading bank and finance company-issued portfolios of consumer and commercial receivables.

ChaseSr. Management Scientist - Corporate Planning & Development

Jan. 1985 - Dec. 19931 Chase Plaza, New York, New YorkChase Manhattan Corporation - Sr. Management Scientist & Vice President, Chase USA, purchased 5 performing credit card portfolios, completed Chase's first sale of charged-off credit card debt, Chase's first sale of Chapter 13 Bankruptcies, and Chase's first 5 public market credit card securitization transactions. Corporate Planning & Developmnent, Management Science Division.

CitiAssistant Vice President - Credit Risk Management

Jan. 1983 - Dec. 1985New York, New YorkCredit Risk Analyst for Citibank's National Expansion Management Team. Responsible for analysis and forecasting delinquencies and charge-offs for Citibank's national portfolio of consumer Card Products. Developed consumer credit scores and models using Citibank's data and SAS, step-wise multi-variate regression analysis, econometric modeling.