Our Leadership Team

G. Winston Smith

President and
Chief Operating Officer


A dedicated and successful advocate for minority, women, and service-disabled veteran business enterprises, G. Winston Smith brings over 35 years of experience in corporate management, business development, banking, and real estate development.


Prior to joining BCF, Mr. Smith was actively involved in business advocacy and supplier development activities for 7 years in his supplier diversity roles at AT&T and Microsoft.  From those positions, Mr. Smith served on the boards of the National Minority Supplier Development Council, the Business Consortium Fund, the Women’s Business Enterprise National Council, the US Pan Asian American Chamber of Commerce, Diversity Information Resources, the Advisory Committee of the US Department of Commerce Minority Business Development Agency, the Diversity Advisory Committee of the Institute of Supply Management, the Minority Business Executive Education Advisory Board of the Tuck School of Business at Dartmouth University, and various other boards and committees.


Mr. Smith received his Bachelor of Arts degree in Economics from Morehouse College and received his Master in Business Administration degree in Finance from Georgia State University.


Socorro Vallejo

Vice-President and Controller


Socorro Vallejo is an expert in non-profit impact financing with 25 years of experience. In her role at BCF as Vice President and Controller, Ms. Vallejo manages the financial structures, systems, and reporting for clear analysis, strategic planning, and operational and administrative management of the BCF and its subsidiaries. She also manages the BCF’s Internship Program established in 2012.


After joining BCF in 1994 as Office Manager. Ms. Vallejo was promoted to Assistant Vice President and Controller in 2000 and has held her current position as Vice President and Controller since 2014.


Ms. Vallejo earned a Bachelor of Science degree in Accounting from Lehman College.


Ruben Rodriguez

Senior Vice-President
and Chief Lending Officer


Ruben Rodriguez is an experienced business professional with 35 years of in-depth knowledge of finance and small business lending with JPMorgan Chase Bank, Bank of America, and New York National Bank.


Since joining BCF in 2012, Mr. Rodriguez is involved in all aspects of the BCF with particular focus on managing the organization’s loan portfolio, including loan underwriting. Before joining BCF, Mr. Rodriguez managed the loan portfolio for Seedco Financial Services, Inc. (currently known as TruFund Financial Services, Inc.) a national non-profit organization that provides affordable capital, hands-on business assistance and solutions to small businesses, non-profit organizations and real estate developers.


Mr. Rodriguez received his Bachelor of Arts degree in Economics from Lehman College.


Elba Garcia

Loan Portfolio Manager


Elba Garcia brings over 20 years of experience in loan operations to minority business enterprises.


As Assistant Vice President, Loan Portfolio Manager, Ms. Garcia is responsible for managing the daily loan operations of BCF and Triad Investments, LP., including loan administration, servicing, monitoring, compliance reporting, renewal and restructuring. Prior to joining BCF in 1996, Ms. Garcia worked as an assistant to the Economic Development Specialist for the Bronx Council for Economic Development and assisted with the formation of a Business Improvement District.


Ms. Garcia received a Bachelor of Arts degree in Economics and Business Management from Lehman College.