Intercredit Bank
A full service commercial and consumer financial institution providing high quality banking services to our customers.
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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
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Executive Officers
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Simon Cruz
President & CEO
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Mark P. Snelling
EVP & Chief Financial Officer
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William Garzozi
EVP & Chief Credit Officer
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Javier Montero
EVP & IT Manager
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Matthew Cordis
EVP & Chief Operations Officer
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Walter Porras-Pita
EVP & BSA/AML/OFAC Officer
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Francisco Gomez-Terron
SVP-Head of Audit & Compliance Officer
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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.
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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.
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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.
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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.).
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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. From 1986 until May 2021, Mr. Acosta was employed by the Miami Agency of Banco Pichincha, the largest privately owned bank in Ecuador. 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 has participated 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.).
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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 has participated as 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.
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Call us at 305.375.8442 or visit your nearest Intercredit Bank Office and ask to speak with one of our specialists.
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