Intercredit Bank

A full service commercial and consumer financial institution providing high quality banking services to our customers.

Who We Are

Intercredit Bank, N.A. is a Miami-based bank founded in 1992 as a result of the purchase of a Miami community bank. We are a full service commercial and consumer financial institution providing high quality banking services to our customers. The Bank is a National Association supervised by the Office of the Comptroller of the Currency (OCC) and insured by the Federal Deposit Insurance Corporation (FDIC).

In June of 2020, Intercredit was purchased by Dr. Fidel Egas Grijalva. Dr. Egas is the majority owner of Banco Pichincha Holding Group. Founded in 1906, Banco Pichincha Holding Group owns the largest private commercial bank in Ecuador in addition to banks in Spain, Colombia, Peru and Panama, as well as an agency office in Miami. Intercredit Bank is not part of the Banco Pichincha Holding Group and is separately managed and regulated.

Intercredit’s Board of Director’s, led by its Chairman Fidel Esteban Egas, along with Senior Management and staff, are a dedicated group of professional bankers with extensive experience in all aspects of the industry. Our team is committed to providing the highest level of personalized banking services to our corporate and consumer customers. We continually strive to provide all our stakeholders, including our customers, the community, staff and shareholders with an experience that is professional, pleasant, and efficient.

Board of Directors

Executive Officers

  • Simon Cruz

    President & CEO

  • Mark P. Snelling

    EVP & Chief Financial Officer

  • Susana Barraque

    EVP & Chief Credit Officer

  • Luis Casado

    EVP-Chief Operations Officer & Chief Information Officer

  • Walter Porras-Pita

    EVP & BSA/AML/OFAC Officer

  • Francisco Gomez-Terron

    SVP-Head of Audit & Compliance Officer

Board of Directors

Fidel Esteban Egas Sosa, Chairman of the Board

Mr. Egas Sosa was appointed Chairman of the Board in July 2020. He is a respected member of the international financial community with many years of experience in the banking sector, during the course of which he has held management positions and served on the boards of numerous financial institutions and other business organizations in Ecuador and other countries. Most recently, Mr. Egas Sosa was the Vice-President of Banco Pichincha C.A from 2014 to 2017, and, since 2016, has been the President of International Investments of Banco Pichincha C.A., Miami Agency. In his role with the Agency, Mr. Egas Sosa has developed significant experience with and knowledge of the South Florida financial community. He holds degrees from Tecnológico de Monterrey in Quito, Ecuador, and an MBA from ESADE, Barcelona, Spain.

Nelson V. Alvarado, Director

Mr. Alvarado was elected as a member of the Board in November 2016. He has been a Licensed Financial Services Professional and Agent at New York Life Insurance Company (NYLIC) in Miami, Florida since 2013. Mr. Alvarado served as President, CEO & Director of International Finance Bank from 2000 to 2013. He has had an extensive professional career in the banking, financial and insurance industries, as well as in cultural and community organizations. Mr. Alvarado has both a B.A. in Political Science as well as a J.D. from Pontificia Universidad Católica del Peru, and a Post-Graduate Diploma in International Business Management from University of California at Berkeley.

Simon Cruz, Director, President & CEO

Mr. Cruz joined the Bank in September 2011. He has a distinguished banking career that spans three decades with community banks, international banks, money center banks and real estate investment firms. An active community leader for more than 25 years, he has served as a Board member of the School of International Public Affairs (SIPA) at Florida International University and as a past Director of the Florida Bankers Association. He is presently a member of the Community Bankers Council of the American Bankers Association and Board Member of the Florida Export Finance Corporation. Mr. Cruz served as a Miami Beach Commissioner for 10 years. He graduated cum laude from Rutgers University and went on to earn a Masters Degree in International Economics and Latin American Studies from the Johns Hopkins University School of Advanced International Studies.

Alvaro Mantilla, Director

Mr. Mantilla was appointed as a Board member in July 2020. He has over 20 years of corporate management experience with companies operating in the United States and Latin America, including most recently Diario Las Americas, a Spanish language newspaper published in Miami, FL, Diarios Unidos del Ecuador DIUNESA, a newspaper published throughout Ecuador, and The Miami Herald Media Company. Mr. Mantilla is currently employed by HP, Inc. as manager of its Indigo Supplies unit. Mr. Mantilla is involved with various professional associations, including as a member of the board of directors of the Latin American Newspapers Technical Association and the Ecuadorian Graphic Arts Industry Association. He holds degrees from the Rochester Institute of Technology (B.S.) and the Institut Européen d'Administration des Affaires (European Institute of Business Administration; M.B.A.).

Evan Acosta, Director

Mr. Acosta was appointed as a member of the Board in July 2020. He has over 35 years of banking experience within the South Florida and Latin American markets. Since 1986, Mr. Acosta has been employed by the Miami Agency of Banco Pichincha, the largest privately owned bank in Ecuador, and currently serves as General Manager of the Agency. Prior to his employment with the Agency, Mr. Acosta held the position of VP of Correspondent Banking for Barclays Bank PLC in Miami, FL. During his career, Mr. Acosta has gained extensive knowledge and experience with the South Florida banking and financial communities, and currently serves on the board of directors of the Florida International Bankers Association and the Center for Financial Training at Miami Dade College. He holds degrees from Florida International University (B.A.) and Georgetown University (M.A.).

Jorge I. Triay, Director

Mr. Triay was appointed as a member of the Board in 2015 and served as the Bank's Chairman until June 2020. Mr. Triay has over 35 years of experience in the banking industry, where he has held various leadership and management roles. He served as President, CEO, Vice Chairman and Member of the Board of Directors at First Bank of Miami for 12 years (2001-2014). A former bank examiner with the Florida Office of Financial Regulations (OFR), Mr. Triay learned the banking business from the inside out. He is a former President (2013-2014) of the Florida Bankers Association, and currently serves as a Board Member and on the Executive Committee of the Association. He is a graduate of Florida International University, where he earned a Bachelor's degree in Business Administration with a Major in Banking and Finance. He also earned a Certificate from the Conference of State Bank Supervisors (CSBS) at the University of Georgia in Athens.

Call us at 305.375.8442 or visit your nearest Intercredit Bank Office and ask to speak with one of our specialists.

Intercredit Bank

Un banco que provee servicios bancarios de alta calidad a sus clientes.

Quiénes somos

Intercredit Bank, N.A. es un banco con sede en Miami fundado en 1992 como resultado de la compra de un banco comunitario de Miami. Somos una institución financiera dedicada a los sectores comercial y de consumo que ofrece servicios bancarios de alta calidad a nuestros clientes. El Banco es una Asociación Nacional regulada y supervisada por el Office of the Comptroller of the Currency (OCC) y asegurada por el Federal Deposit Insurance Corporation (FDIC).

En junio de 2020, el Dr. Fidel Egas Grijalva compró Intercredit. El Dr. Egas es el propietario mayoritario de Banco Pichincha Holding Group. Fundado en 1906, Banco Pichincha Holding Group es el accionista mayoritario del banco comercial privado más grande de Ecuador, además de bancos en España, Colombia, Perú y Panamá, como también de una agencia en Miami. Intercredit Bank no forma parte de Banco Pichincha Holding Group y es administrada y regulada de manera independiente.

La Junta Directiva de Intercredit, dirigida por su presidente Fidel Esteban Egas, junto con el equipo de gerencia y el personal, son un grupo dedicado de banqueros profesionales con amplia experiencia en todos los aspectos de la industria. Nuestro equipo está comprometido a brindar el más alto nivel de servicios bancarios personalizados a nuestros clientes. Nos esforzamos continuamente por brindar una experiencia profesional, agradable y eficiente a nuestros clientes, la comunidad, el personal y los accionistas.

Junta Directiva

Funcionarios Ejecutivos

  • Simon Cruz

    Presidente Ejecutivo

  • Mark P. Snelling

    Vice Presidente Ejecutivo de Finanzas

  • Susana Barraque

    Vice Presidente Ejecutivo de Crédito

  • Luis Casado

    Vice Presidente Ejecutivo de Operaciones e Información Tecnológica

  • Walter Porras-Pita

    Vice Presidente Ejecutivo de Cumplimiento BSA

  • Francisco Gomez-Terron

    Vice Presidente Senior de Auditoría y Cumplimiento

Junta Directiva

Fidel Esteban Egas Sosa, Presidente Junta Directiva

El Ing. Egas Sosa es miembro del Directorio de Intercredit Bank, N.A. desde Julio 2020 habiendo sido nombrado Presidente de la Junta Directiva del Banco. El Ing. Egas participa en varios directorios de instituciones financieras y organizaciones en el Ecuador y otros países. Fue Vice-Presidente del Banco Pichincha C.A. en Ecuador del 2014 al 2017, y desde el 2016 se desempeňa como el Presidente de Inversiones Internacionales del Banco Pichincha C.A., Miami Agency. A través de este cargo el Ing. Egas Sosa ha obtenido vasta experiencia y conocimientos de la comunidad financiera de South Florida. He holds degrees from Tecnológico de Monterrey in Quito, Ecuador, and a MBA from ESADE, Barcelona, Spain.

Nelson V. Alvarado, Director

El Sr. Alvarado es miembro del Directorio de Intercredit Bank, N.A. desde Noviembre 2016. Desde el 2013 se ha desempeñado como un Profesional de Servicios Financieros y Agente de New York Life Insurance Company (NYLIC) en Miami, Florida. El Sr. Alvarado fue Presidente Ejecutivo, CEO & Director del International Finance Bank del 2000 al 2013. El Sr. Alvarado cuenta con una extensa trayectoria en el sector bancario, financiero y de seguros así como tambien en organizaciones culturales y de la comunidad. Se graduó en Ciencias Politicas (J.D.) en la Pontificia Universidad Católica del Peru, y además obtuvo un Diploma de Postgrado en Administración de Negocios Internacionales de la Universidad de California en Berkeley.

Simon Cruz, Director, Presidente Ejecutivo

Cruz forma parte de Intercredit Bank, N.A. desde Septiembre 2011 como Presidente Ejecutivo y Director del Banco. Tiene amplian experiencia en Banca Comunitaria y Comercio Exterior. Es un lídea activo de la comunidad por más de 25 años, habiendo participado como miembro del Directorio de la Escuela de Asuntos Públicos Internacionales (SIPA) de la Florida International University y fue Director de la Florida Bankers Association. Actualmente es miembro del Directorio del Community Bankers Council del American Bankers Association y miembro del Directorio de la Florida Export Finance Corporation. El Sr. Cruz fue Comisionado de Miami Beach for 10 años; se graduó cum laude de la Rutgers University y obtuvo su Masterado en Economía Internacional y Estudios Latinoamericanos en Johns Hopkins University, Escuela de Estudios Internacionales Avanzados.

Alvaro Mantilla, Director

El Sr. Mantilla es miembro del Directorio desde Julio 2020 y cuenta con más de 15 años de experiencia en las áreas de administración corporativa en compaňías operando en los Estados Unidos y Latinoamérica, incluyendo recientemente a Diario Las Américas, un periódico publicado en Espaňol en Miami, FL, Diarios Unidos del Ecuador DIUNESA, un periódico que se publica en el Ecuador, y The Miami Herald Media Company. Actualmente trabaja para HP, Inc., como gerente de su unidad Indigo Supplies. El Sr. Mantilla ha participado en varias asociaciones profesionales, habiéndose desempeňado como Director de Latin American Newspapers Technical Association y Ecuadorian Graphics Arts Industry Association. Se graduó en Rochester Institute of Technology (B.S.) y en Institut Européen d'Administration des Affaires (European Institute of Business Administration; M.B.A.).

Evan Acosta, Director

El Sr. Acosta es miembro del Directorio desde Julio 2020. Tiene más de 35 años de experiencia bancaria en South Florida y Latinoamérica. Desde 1986, el Sr. Acosta se desempeña como Gerente General del Banco Pichincha, Miami Agency, el mayor banco privado del Ecuador. Además, el Sr. Acosta fue VP de Banca Corresponsal del Barclays Bank PLC en Miami, FL. Durante su trayectoria profesional, el Sr. Acosta ha obtenido vasta experiencia y conocimientos de la banca en South Florida y la comunidad financiera en general. Actualmente forma parte de la Junta de Directores del Florida Bankers Association y del Center for Financial Training del Miami Dade College. Se graduó en Florida International University (B.A.) y Georgetown University (M.A.).

Jorge I. Triay, Director

El Sr. Triay es miembro del Directorio desde 2015 . El Sr. Triay cuenta con más de 35 años de experiencia en la industria bancaria en la cual ha desempeñado varias posiciones gerenciales y de liderazgo. Anteriormente fue Presidente Ejecutivo y Presidente Adjunto del Directorio de First Bank of Miami por 12 años (2001-2014). Como regulador bancario de Florida Office of Financial Regulations (OFR), el Sr. Triay obtuvo amplios conocimientos de la industria bancaria. Además fue Presidente (2013-2014) y actualmente es miembro del Comite Ejecutivo y Miembro del Directorio de Florida Bankers Association (FBA). Se graduó en Florida International University (FIU) recibiendo el título de Administración de Negocios con Maestría en Banca y Finanzas. También obtuvo un certificado de la Conferencia Estatal de Supervisores Bancarios (CSBS), de la Universidad de Georgia en Athens.

Llámenos al 305.375.8442 o visite nuestras oficinas y pregunte por uno de nuestros ejecutivos bancarios.

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