I am Carlos Fernandez-Guzman, currently residing in Hialeah, Florida. I am fluent in both English and Spanish, which allows me to effectively communicate and lead in diverse environments. With over 30 years of experience in the banking sector, I have held prominent roles including President & CEO of Pacific National Bank, where I have been since 2010. My background also includes senior executive positions at BankUnited and XTec, Inc., focusing on leadership, commercial lending, and strategic planning. I hold a degree from Louisiana State University’s Graduate School of Banking and have furthered my education at Florida International University and Miami Dade College. My expertise lies in risk management, financial analysis, and executive management, making me a well-rounded professional in the financial industry.