Hector Vizcarrondo

age ~76

from Miami, FL

Hector Vizcarrondo Phones & Addresses

  • Miami, FL

Resumes

Hector Vizcarrondo Photo 1

Co-Founder/Director At Ta-Lend

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Location:
Miami/Fort Lauderdale Area
Industry:
Financial Services
Work:
Fleetcor Technologies Jan 2010 - Apr 2011
Global Credit Policy Manager

Capital One Financial Corporation Mar 2007 - Dec 2009
Business Analysis Manager

GIC Group Aug 2003 - Mar 2007
Senior Research Analyst

Cemex Venezuela Jan 2001 - Jun 2003
Logistics Manager
Languages:
Portuguese
Spanish
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Hector Vizcarrondo

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Us Patents

  • Lending Model Providing Unsecured Student Loans

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  • US Patent:
    20110288988, Nov 24, 2011
  • Filed:
    May 19, 2010
  • Appl. No.:
    12/782773
  • Inventors:
    Hector Vizcarrondo - Miami FL,
  • International Classification:
    G06Q 40/00
    G06Q 50/00
  • US Classification:
    705 38, 705327
  • Abstract:
    A lending model provides unsecured or secured student loans to people without credit history or a country-based cosigner. The lending model may require students to pay a certain percentage of tuition in cash before starting their coursework. Schools may lend the remaining portion of tuition at a predetermined point through the program. Unsecured loans, while they may be high-risk, may provide schools with a high percentage of net present value tuition recovery and, in some cases, full net present value recovery. These loans may also be secured by requiring borrowers to provide a collateral or cosigner that would guarantee the loan. The lending model of the present invention may also allow friends, family, external investors and alumni to invest or donate towards the prospective student's tuition expenses by using a peer-to-peer (p2p) lending platform, thereby increasing the total funds in the system and reducing the liability and exposure for the school. This loan would be packaged as a single loan towards the student's tuition costs.

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Plaxo > Tristan G Trist...

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Hector Tristan's photo. Hector Tristan. Socio, Tristan&Asociados ... vp, hector vizcarrondo accounting tax & service ...

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Hector Vizcarrondo


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