Andres Cabezas Wallscheid

Allfunds Bank is the largest mutual fund platform in Europe. Offers intermediation and investment services to commercial banks, private banking institutions, fund managers, insurance companies and fund supermarkets in Spain, Italy, UK, Chile, Columbia, Dubai, Switzerland, Miami and Luxembourg. Allfunds Bank was founded in 2000.

DZ BANK is the fourth largest bank and the top rated in Germany and is acting as central bank for approx. 1.200 cooperative banks. I support the German, Austria, Netherlands and USA portfolio of DZ BANK. I analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Compare liquidit profitability, credit histories of Financial institutions & Sovereigns. Generate financial ratios. Prepare reports that include the degree of risk involved.

Risk analyses: client's creditworthiness (annual financial statements, income statements, statements of net assets), property information (appraisal, rent roll), debt yield, cash flow, rating. Evaluation of complex loan applications, loan disbursements, putting of loans into the covered bond pool, periodic loan reviews (collateral, covenants, compliance) and preparation of annual loan review forms. Total overseen loan portfolio > € 400 MM

Management of unissued shares, attraction and personal advisor of new bank customers. Fiscal integrity and financial advice, analyzing the customer profile, operational risk in credit. Offering all types of Financial Markets products such as Investment funds, Bank deposits, current accounts paid, life insurance, pension plans, investments, several short, medium and long term.

In April 2008 I started my career in the Financial markets as Customer Business Manager of Banco Santander and I create an own portfolio of 14 million euros. After 8 months I was promoted to Branch Manager in a newly opened office that it could not reach the volume targets. I achieved the goals set; I doubled the capital volume over 1 year in only 5 months. Perform functions like risk analysis, credit management, customer portfolio management, team motivation, sales and scoring.

Franchisee of a Real Estate company that owns more than 4.500 agencies worldwide. Agency with 3 employees. Freelance. Management of all types of properties, valuation, acquisition, sale, rent, consulting, sales and after sales of complex projects (housing estates, golf courses)

This University Degree had a duration of three years but the validation of previous studies, made ​​me a year to finish

Hours :1500 Methodology: Case Method and simulation, combining theory with the analysis and discussion of the business practical cases (practical cases of ESERP Business School, IESE Business School, Queen’s University, IMD International, Harvard Business School and some others).