DE LA TORRE MARTÍNEZ, Carlos JavierMobile Phone: 81-1212-3266 Email: carlosjdelatorre@yahoo.com

EDUCATION2004 - 2006 IESE BUSINESS SCHOOL BARCELONA, SPAIN

Master of Business Administration (MBA Program)2005 - 2005 MELBOURNE BUSINESS SCHOOL MELBOURNE, AUSTRALIA

MBA - Exchange program1995 - 2000 ITESM-MONTERREY TECH MONTERREY, MEXICO

Bachelor in Science, Civil Engineering (top 15%)1998 - 1999 UNIVERSITY OF ILLINOIS URBANA-CHAMPAIGN, U.S.A.

Civil Engineering - Exchange program

EXPERIENCE2015 – to date BANREGIO MONTERREY, MEXICO2015 – to date Sub Director - Real Estate Finance

• Responsible for credit analysis, cash flow modeling, feasibility studies and structuring of Real Estate transactions (including industrial, retail, office and mixed – use development projects) to enable decision making by a credit committee. In charge of the appraisals and valuations department.

2014 – 2014 ONE DEVELOPMENT GROUP MONTERREY, MEXICOFall 2014 Business Development

• Responsible for the development of new real estate projects in the company including site location, conceptual design, financial modeling, due diligence and feasibility studies.

2006 – 2014 GE CAPITAL REAL ESTATE MEXICO CITY, MEXICO2006 - 2007 Asset Management - Debt 2009 - 2014 • Responsible for managing business relationships with real estate developers who had

financed their operations with GE Real Estate. Responsible for ensuring compliance with the credit terms established in the loan agreement. Managed a real estate portfolio comprised of industrial, retail and office properties held as collateral. Led cross-functional team efforts on surveillance routines such as: lease reviews, rollover analysis, delinquencies reports, capital reserves management, site inspections, net operating income audits, insurance audits and valuations.

2007 - 2009 Associate Director - Debt MONTERREY, MEXICO• Drove company growth by seeking new investment opportunities. Led negotiations with prospective customers from initial structuring of terms and conditions through proposal issuance and deal closing.

2005 - 2005 HOWARD HOLDINGS PLC DUBLIN, IRELAND Summer 05 Business Development

• Performed market research and developed financial models on various real estate projects such as affordable housing construction with government tax incentives and the revitalization of existing properties.

2003 - 2004 ESTRUCTURAS DE ACERO MONTERREY, MEXICO2003 - 2004 Project Management

• Coordinated site construction teams and tasks for the construction of middle-income family homes from the initial concept of the project to conclusion.

2000 - 2003 CEMEX MONTERREY, MEXICO2000 - 2003 Marketing Advisor - Cemex Concretos

• Marketed the company's products and services and presented specific projects to top management aimed to improve productivity and increase profits.

LANGUAGES: Spanish: Mother tongue. English: Fluent. French: Basic.