Mr. Cardenas assumes the distinguished role of Managing Partner at Panacea Lending, a position emblematic of his profound commitment to advancing the financial landscape with innovative initiatives. His tenure is marked by an unwavering dedication to refining established paradigms while pioneering novel concepts, thus ushering in a new era of firsts within the industry. With meticulous oversight, Mr. Cardenas spearheads the orchestration of general corporate affairs, with a particular emphasis on the inception, promotion, and day-to-day execution of operations. At the heart of Panacea's operations lies Property Tax Lending, supplemented by forward mortgages, a domain in which the organization has facilitated over $69 million in tax loans, boasting a staggering market value exceeding $615 million and contributing factor to two different securitizations and the purchase of several portfolios. Prior to his stewardship at Panacea, Mr. Cardenas held the esteemed position of Managing Partner at USPTL LLC, a role which saw him navigate the intricacies of corporate governance while channeling his energies toward origination, marketing, and operational oversight. Under his astute guidance, USPTL LLC flourished, having facilitated over $79 million in funding with an accompanying market value surpassing $560 million. The company's primary focus on Property Tax Lending bears testament to Mr. Cardenas's unwavering commitment to advocating for homeownership, exemplified by his relentless efforts to compel industry-wide improvements in program offerings, particularly aimed at empowering Texas homeowners to safeguard their residences.Drawing from an illustrious career spanning nearly 23 years, Mr. Cardenas's journey commenced in 2002 at High Point Mortgage, where he served as a loan officer concurrent with his distinguished tenure in the United States Air Force, where he held the mantle of Information Systems Manager at Randolph AFB, Texas, for 14 years. Transitioning seamlessly into the realm of Property Tax Lending, Mr. Cardenas assumed the mantle of Vice President of Origination at Tejas Tax Lending, where his astute leadership facilitated the funding of over $12 million, commanding a market value of $120 million.