ROBERT CAPALBO

36 Pine Hill Drive, Upper Saddle River, NJ 07458

(201) 815-9373
rc104c94c@westpost.net

SUMMARY
Senior executive officer for the Commercial and Investment Banking Industry comb
ining the best experiences at GE Capital and Bank of America along with several
years of crisis management engagements for middle market companies. Positions in
cluded finance related roles, including auditing, risk analysis, new business de
velopment and challenged credit resolve situations. Crisis management included r
oles as a CFO/COO for private and public companies. Assessed, recommended and ex
ecuted financing solutions for middle market companies.
Executive Experience Summary
Bank of America / Employed for 9 years / Consultant for 3 years
GE Capital / Employed for 8 years / Consultant for 3 years
SunTrust Bank / Employed 1 year
ComVest Capital / Employed - Consultant 3 years
Capital Transition Partners 3 years

Nationally ranked number one (#1) in production for a GE Capital Commercial Fin
ance unit during 1998-2001.
As Senior Credit Policy Officer, initiated, authored, trained and taught Bank o
f America commercial credit coursework, which included a unique credit scoring m
odel which amplified those metrics which took quantitative and qualitative data,
actively managing very dynamic portfolio companies.
Experienced portfolio manager for middle market companies.
Experienced transition consultant as CFO/COO for middle market (private and pub
lic) companies.
Managed the transition (CFO) of a Chapter 11 bankruptcy and its emergence of a
publicly traded ($50 million) manufacturing company in less than a year.
Successfully directed the banks exit of a $35 Million relationship due to chara
cter issues, among other troubled company management responsibilities.
Past board member involved in Fund raising campaigns for Project SOS, a non pro
fit organization.
Direct involvement with numerous companies with various crisis management objec
tives, resulting in overall liquidation and/or turnaround of approximately $1 bi
llion in bulk revenues. Executed forbearance, stand-still, receivership, bulk as
set sales, (etc.) a number of work-out loan strategies, including Chapter 11 ban
kruptcies, 363 Asset sales and ABC (assets for the benefit of creditor) transfer
of assets through court system, among many other strategic and tactical methods
of maximizing loan loss recovery.
As Hedge Fund Portfolio manager and EVP for a $25 Million middle market public
company, implemented a successfully turnaround. In, 12-15 months, a loss of ($5
Million) turned profitable in 2009-2010.

ROBERT CAPALBO PAGE 2

ComVest Capital, Capital Transition Partners & AFP Imaging Corporation

2008 Present
SVP, Director, EVP; West Palm Beach, FL, Elmsford, NY
 Portfolio Manager, for $200 Million Senior Secured Lender (Debt/Equity Hedge Fu
nd)
Turned a $25 Million Distribution company around in 9 months (ComVest Portfolio
Company)
Negotiated a complex sale of Italian subsidiary company which led to financial
turnaround
Brought on seasoned Industry CEO to turn around and invest in a Portfolio compa
ny
Led portfolio company in two Letters of Interest (LOIs) purchase of Middle Mark
et companies
Designed both accretive cost and leveraged revenue synergies for growth acquisi
tion
Business acquisition due diligence projects
Presently negotiating with equity sponsor a consolidation of four companies req
uiring $15 Million of capitalization, combining senior ABL, Mezzanine along with
Equity Sponsor funds.

Capital Transition Partners, Jacksonville, Florida

2004 - 2008
Director
Private company recapitalization for $100 Million catalog retailer, Jacksonvill
e, FL
Insurance compliance auditing, SE U.S. Market
Business advisory, due diligence
Business acquisition due diligence projects
Financial advisor/arranger for debt and equity capital for middle market compan
ies

SunTrust Bank, Jacksonville, Florida 2003 - 2004

Vice President
Portfolio manager 7-10 active portfolio accounts.
New business development
Challenged asset resolve solutions

Bank of America, (formerly Fleet Capital) New York, New York 2002 - 2003
Senior Vice President
Executive Middle Market Commercial Finance

ROBERT CAPALBO PAGE 3

GE Capital, NY, NJ, CT 1998 - 2002

Senior Vice President
New business executive for New York tri-state and New England markets, with U.S
. transactions as deemed appropriate by management.
National number (#1) one business producer nationally, $100 MM annual productio
n for $5-$20 Million ABL credit facilities.
Extensive network of equity, advisory, legal and turnaround management firms in
New York and New England.

Capital Transition Partners, St. Petersburg, Florida

1996 - 1998
Director
VP Finance & CFO (COO) for a $50mm public company, for an emerging Chapter 11 i
n one year.
Public company experience includes SOX compliance and GAAP accounting knowledge
Bankruptcy and liquidation of $250 Million sub-prime auto loan portfolio
Liquidation (bankruptcy) of HVAC company, A/R contractor loans
Underwrote several middle market companies ($10-$100mm revenues).

Bank of America, (formerly Barnett Bank) Jacksonville, Florida 1993 - 1996

Senior Vice President / Senior Credit Policy Officer
Led and authored credit underwriting and compliance for commercial lending and
auto dealer wholesale/floor-plan lending unit.
Initiated first commercial credit scoring methodology which allowed timely acti
on or reaction to both quantitative and qualitative metric designed systems, whi
ch concentrates on both pier review along with change variance analysis.
Directed bank to exit $35 million lending relationship primarily due to charact
er issues and weak management.
Part of $700 million acquisition due diligence for acquisition of auto leasing
company
Managed $100-$150 Million portfolio, full charge asset and P & L experience.
Active in management of $10 billion indirect consumer lending portfolio, with a
ged A/R management, re-writing of loans, and delinquency management of portfolio
.

MaxFax Services, Inc., Jacksonville, Florida 1991 - 1993

VP, CFO and Shareholder Crisis Management Company for Banks
Provided full scale forbearance and secured lending loan work-out services for
commercial loans ranging from $5 Million to $50 Million. Clients included Barnet
t Banks, GE Capital and others.

ROBERT CAPALBO PAGE 4

GE Capital, Naperville, Illinois 1990 - 1991

Vice President
Pilot program launch and disbanding for Insurance specialty unit.

National Data Products, Inc., Clearwater, Florida 1989 - 1990

CFO/Board of Director/Shareholder
Experience as a full charge CFO for $50-$75 Million computer (supplies) distrib
utor.
Bank of America, (formerly C & S Bank; Atlanta, Ga) Tampa, Florida 1984 - 19
89
Senior Vice President
Part of Regional Bank expansion, blending the culture, systems and processes in
tegration of 1985 purchase of major Florida bank.
Manager of commercial lending group, and equipment leasing finance producer in
Florida
Managed institutional trust and government banking specialties for underwriting
of taxable and tax free municipal bonds (C & S, Trustee and Investor-Lender).

GE Capital, Atlanta, Georgia 1980 - 1984

Field Auditor & Credit Analyst; ABL Lending & equipment finance/lease new busine
ss

EDUCATION, AWARDS, LICENSES

Bachelor of Science, in Accounting Major, with minor in Finance

University of South Florida, Tampa, Florida

Dale Carnegie Sales Training

Six Sigma Green Belt Credentials
Ex Professional Baseball and College Basketball Official
Speak Easy (Coca Cola) Professional public speaking training
Field Auditor Distinguished Accomplishments