Miguel Villarrica FRM

• Due Diligence on NPL and sub-performing loan portfolios transactions with Real Estate collaterals or unsecured connections. • Audits on debt servicers, and lending fintechs in compliance with Servicing Loan Agreement, domestic regulation and market standards.

- Advisory services on internationalisation readiness and international site location for SMEs and corporates - Consultancy services for multilateral entities / Investment Promotion Agencies on trade facilitation and investment promotion. Projects carried out for Inter-American Development Bank (IADB), Brazil Ministry of Foreign Affairs, Swiss Global Enterprise and Nicaragua Ministry of Development, Industry and Trade. - Lecturer in Internationalization Strategy and Planning (ESDEN Business School /UFV)

• Re-underwriting of portfolio of Bridge Loans to RE developers ranging €1.5m to €10m originated by alternative investment lender. • Compliance analysis under IFRS 9 of impaired loan portfolios under management by Deutsche Bank London Branch. • International Risk Advisory services and due diligence activities on NPL debt portfolio transactions. • Operational risks and compliance audit on debt collection firms & lending fintechs Jurisdictions: Spain, Italy, France, Netherlands, UK, Ireland, Germany, Sweden

• Buy and sell-side due diligence projects on debt and loan portfolio transactions. • Assessment and identification of loan portfolio risks: underwriting/credit, title and asset/collateral risks • Debt Servicers audits on operational/credit risk compliance. • Debt & Property Cash Flow Modelling of CRE and Non-CRE portfolios. Jurisdictions: Spain, Italy, France, Netherlands, UK, Ireland, Germany, Sweden

• Re-underwriting, loan underlying document reviewing and due diligence activities on debt portfolio transactions: mortgage loans, unsecured loans, auto and machinery & equipment leasings, syndicate loans. • Identification and evaluation of origination, credit, operational and any potential risks in the loan portfolio. Jurisdictions: Europe, UK, Latin America.

• Economic research, policy assessment and advocacy to improve business climate in Spain and to promote and attract foreign direct investments. • Design and development of an investors & start-ups matching network, promoted by the Spanish Government.

• Economic Research on German economic and trade policy and regulated sectors. • Identification of international business opportunities for Spanish companies in the German market.

• Financial advisory services to individual clients and small businesses on investments and financing products. • Credit and Operational risk analysis and monitoring: solvency analysis, review of financial statements of SMEs and corporate clients.

Quantitative Analysis | Market Risk | Credit Risk | Operational and Integrated Risk Management | Risk and Investment Management

Specialised in: Sustainable Financing - ESG Investments and ratings | Corporate Social Responsibility (CSR) | Microfinance & International Development and Cooperation System Master Thesis: “Analysis of the Venture Capital Industry from a sustainability perspective”

Specialised in: International Trade & Investments promotion | Global Value Chains & International Logistics | International Trade Financing | International Marketing

Specialised in: Banking & International Finance | Corporate Financial Analysis | Investments Analysis

Specialised in: Economic Policy | Macroeconomic analysis | Banking & Finance