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Mr.
Toro-Morales holds a Bachelor of Science in Business Administration,
with a major in Accounting (Cum Laude), from Georgetown University
(Washington, D.C.)(1983), and a Juris Doctor (Magna Cum Laude)
from the University of Puerto Rico School of Law (1988). Mr.
Toro-Morales is a former partner of the law firm of McConnell
Valdés, where he concentrated in real estate and commercial
financing transactions. Prior to entering into the private
law practice, he clerked for the Honorable Federico Hernández
Denton, now Chief Justice of the Puerto Rico Supreme Court.
Mr.
Toro-Morales is also a certified public accountant (CPA) with
prior work experience in a major international public accounting
firm. He is actively involved in numerous loan transactions
representing banks and other financial institutions, particularly
real estate financing (residential, commercial and industrial)
and in a variety of real estate transactions dealing principally
with condominium planning, resort development and operations,
and manufacturing plant acquisitions and expansions. In addition,
Mr. Toro-Morales handles general corporate matters, contract
negotiations, particularly commercial leases, and issues of
estates law. He is admitted to practice in the courts of the
Commonwealth of Puerto Rico and the United States Courts of
Appeals for the First Circuit.
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