Germán Gutierrez-Cardoza Email & Phone Number

Santa Fe, New Mexico, United States

Santa Fe, New Mexico, United States

• Conducted due diligence on prospective managers by analyzing Private Placement Memos, prior fund performance data, legal documents, and other data analytics, driving data-driven decisions.
• Enhanced monitoring practices through streamlined processes, improving transparency and delivering comprehensive analysis, resulting in improved efficiency.
• Reviewed and monitored investment managers for strategic alignment and compliance.
• Presented Total Fund Performance metrics—including IRR, TVPI, PME, PME+ and direct alpha—across global equity, real estate, and credit portfolios to leadership and other stakeholders.
• Attended AGMs/LPAC meetings for monitoring and performance evaluation.
• Collaborated with legal counsel and illiquid consultants on amendments, providing recommendations to the CIO and Deputy CIO.

Albuquerque, New Mexico, United States

• Underwrote commercial business, SBA, commercial real estate, and other loan types, emphasizing industry risks, loan purpose, collateral worthiness, and pricing.
• Structured commercial loan transactions based on industry risks, collateral, and loan types.
• Collaborated with the Commercial Lending Team to prepare comprehensive business proposal packages.
• Created financial projections to assess the impact of additional credit facilities on borrower leverage.
• Conducted annual reviews to ensure borrower compliance and financial health within the commercial portfolio.
• Partnered with underwriters to streamline the loan approval process, enhancing efficiency and reducing turnaround time.

Denver, Colorado, United States

• Corporate Marketing Associate - Project Phase
• Prepared comprehensive datasets comparing specific bank products and special offers against Heartland and our consumer and small business competitors.
• Examined retail branching staff structure for cost-effectiveness, location efficiency, and personnel validation, and presented findings to team members and managers.
• Created a SharePoint Intranet site for the Operation Customer Compass Project, improving companywide communication and project tracking for all member banksCredit Rotation
• Spread commercial financial statements into the bank’s financial analysis spreadsheet program, evaluating the company's risk rating.
• Analyzed commercial financial statements and key ratios to determine creditworthiness, presenting findings to senior executives for deals over $10MM.