Milton Espinoza

Milton Espinoza is a seasoned financial executive with extensive experience in credit administration and loan management across various institutions. Currently serving as the Senior Vice President and Director of Credit Administration at NewtekOne since February 2025, Milton previously held the position of Vice President & Senior Portfolio Manager at First Bank of the Lake, where responsibilities included loan servicing for government-guaranteed loans. Prior roles include Senior Vice President & Direct Loan Portfolio Manager at Florida Business Development Corporation, Head of Special Assets at Sabadell United Bank, and Chief Credit Officer at Bank of Coral Gables. Milton's expertise encompasses managing non-performing assets, loan portfolio oversight, and advising on commercial lending and treasury management. A graduate of Clearwater Christian College with a Bachelor of Science in Business Administration, Milton has a proven track record in optimizing financial performance and minimizing risks within diverse portfolios.