Jorge Panduro is the founder of Terra Pointe Capital. He brings more than two decades of experience spanning structured finance, principal investing, capital markets and enterprise risk management.
Jorge began his career in Bank of America’s Global Structured Finance business, where he analyzed, structured and executed asset-backed and mortgage-backed securities transactions across a broad range of financial assets. He subsequently joined the firm’s Principal Finance business, sourcing, financing and investing in higher-yielding opportunities, including consumer asset portfolios and specialty-finance platforms.
During and following the global financial crisis, Jorge advised financial institutions and investors on complex asset valuations, acquisitions, balance-sheet restructurings and capital solutions. His work included valuation analysis of loan, lease and structured-securities portfolios, total return swaps, and non-performing retail and commercial loans, as well as the evaluation of FDIC-assisted transactions.
He later served as a senior quantitative and structuring advisor supporting the resolution of significant legacy RMBS exposures, the disposition of non-performing bank assets and related risk-transfer strategies. He also served on the board of a captive reinsurance subsidiary established as part of the firm’s broader legacy risk-management activities.
The second half of Jorge’s career broadened that asset- and transaction-level experience to the enterprise level. In senior risk leadership roles at Bank of America, he led teams overseeing enterprise stress testing, risk appetite, and strategic and capital risk functions. He also provided liquidity risk oversight of Treasury’s global liquidity portfolio and financial risk oversight, including interest-rate risk, across the Consumer, Wealth Management and Commercial Banking lines of business.
In these roles, Jorge provided an independent risk perspective to senior management—challenging assumptions, evaluating alternative outcomes and assessing capital, liquidity, earnings and risk-return tradeoffs across major financial and strategic decisions.
This combination of asset-level underwriting and enterprise-level risk management forms the foundation of Terra Pointe’s approach: rigorous analysis of the economics of a financial decision, combined with an independent perspective on downside risk, critical assumptions, capital implications and the broader financial context in which that decision is made.
Jorge holds a Bachelor of Science in Mechanical Engineering from MIT.
