Restore Capital Team

Betsy Ratto

Senior Vice President of Capital Solutions  |

Ms. Ratto is responsible for originating and executing corporate finance and capital markets transactions, with focus on the retail industry and other financing transactions. She is based in Hilco's Boston office.
Prior to joining Hilco, Ms. Ratto had a long and successful career at Bank of America, where she served as Managing Director and Group Head of the Retail Finance Group. Over her 25 years of leadership, she scaled the Retail Finance Group into one of the nation's most profitable Asset Based Lending platforms and a market leading player averaging +$20 billion in assets under management with an evolving portfolio of 90+ large national retail, eComm, apparel and Brand companies. Her responsibilities included new client acquisition, loan syndication, relationship management, problem loan management, and risk management. She and her team were responsible for all aspects of problem loan management, including overseeing Chapter 11 Bankrupcy, Exit and Liquidation processes. During her leadership tenure, she oversaw $25 billion in troubled assets worked out and managed to a zero-loss result.
Known to be an innovative and creative leader, Ms. Ratto built a reputation across the banking industry for solving challenging client issues and taking an active role in financing a broad range of complex transactions.
Ms. Ratto earned a Master of Science in Accounting from Fairfield University and a Master of Business Administration from Boston College. She currently lives in Boston with her husband and two daughters.