coming home…a rural seminar in visalia, ca
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Coming Home…a Rural Seminar in Visalia, CA. Housing & Community Development Translating Lines of Business into Jobs. June 14, 2012 Rosa Rios Valdez, CEO Business and Community Lenders of Texas. www.bcloftexas.org. - PowerPoint PPT PresentationTRANSCRIPT
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Coming Home…a Rural Seminar in Visalia, CA
Housing & Community Development
Translating Lines of Business into Jobs
June 14, 2012
Rosa Rios Valdez, CEO Business and Community Lenders of Texas
www.bcloftexas.org
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People Place Purpose
TECHNOLOGY
COMPETETIVE
ADVANTGAGE
STRATEGIC INNOVATION
COLLABORATIVE
PARTNERS
Guiding Principles: Achieve sustainability for the corporation through strategic innovation, competitiveness, using technology and collaboration.
www.bcloftexas.org
Since 1990, over 4,300 jobs
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Business & Community Development
www.bcloftexas.org
Lending Creates Jobs
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Purchase Rural Habitat Mortgage Portfolio– Wharton, Texas
• Population 8,832• 39.4% LatinoZero % Rehab Loans
-- Cuero, Texas• Population 6,841• 39.9% Latino
*2010 US Census, www.census.gov
Rural Housing Collaborative
www.bcloftexas.org
Job Retentions: Bank, BCL, Habitat =1.25 jobs
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Innovation Creates Jobs
Tripple Bottom Line is also known as Corporate Social Responsibility ( Financial / Social / Environment) Texas E²
Innovation Financial Social Environment UPDATEEnergy Pricing (Smolen) Y Y Y
The items listed here Sale of Bonds to Capitalize GREEN Fund Y Y Yare examples of Other Social Enterprise Y Y Y Salud Corp.how to expand our Texas E² (energy efficiency entrepreneurs/families) Y Y Y Prob. With Securing Capitalproduct mix for Equity Investments / convert loans to equity Y Y Yfuture sustainability Sears Home Store/Appliance Store Y Y Y
NP Back Offi ce Management Y Y Y
Diversification Financial Social EnvironmentAll items on these lists Business Plans Y Y Yrequire full discussion Market Studies Y Y Y
Credit Repair Y Y YSeveral other Items can be Loan Portfolio Management Y Y Y Secured 3 new Accounts
New Green Loans Y Y Y Piloted 4 commercial Green Loans Outcome will be incorporated Education.Go Get it - Y -into the 2015 business plan Business Valuations Y Y -
www.bcloftexas.org
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Social Enterprise
Texas Grown & Bottled Olive Oil
www.bcloftexas.org
11 new jobs projected
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Identify Partners & Develop Business Plan
Due Diligence & Forecasts
Risk Analysis & Capital Structure
Grow Asset Base Increase Competetiveness
ROI & Managed Growth
SALUD CORPORATION
Salud Corporation
Business Analysis
www.bcloftexas.org
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Thank youcopy of this presentation will be made available upon request