1. Pablo de Torres Puig de la Bellacasa
Phone: +34 626 75 29 41
E-mail: pablo.torrespuig@gmail.com
Professional with wide experience as responsible of the commercial relationship and financial advice to all kinds of
companies (domestic and international) as well as for risk analysis of economic sectors and businesses. Having established
that experience in leading financial institutions both domestic and foreign.
My experience in both the financial sector and businesses is very solid, as my professional life has been centered on
working for and with companies.
I am also a person with experience in coordinating projects, managing people and teams, with a clear focus on the end
customer, being proactive, persistent and highly analytical, organizational and structuring solutions and projects.
English high, both written and spoken.
Professional Experience
2005 - 2012: FORTIS BANK - BNP PARIBAS
Corporate & Investment Banking - Corporate Banking
Senior Account Manager - Director
Responsible for the commercial relationship of a portfolio of national and international companies (various sectors),
evaluating risk as well as financial products and service needs, providing tailor made solutions with high added value to
both parties.
Coordinate, manage and develop with the different areas of the Bank's products and business solutions needed.
Responsible for the design, implementation and management of a proposed divestment business in a portfolio that was no
longer considered core business. Comprised approximately 500 groups /clients with an investment / risk of around € 400
MM.
Goals:
-. Create a completely new customer base. That within less than two years had a portfolio of 30 groups/clients with
revenues around € 1.5 MM and € 100 MM credit facilities .
-. In record time renegotiate the relationship with more than 500 group/companies with an investment / risk of around €
400 MM . Up to date, the relationship has been restructured in over two thirds of the companies and the risk has been
reduced to 75% of the total exposure.
-. Assessment and management of the refinancing/restructuring for the banks customers, due to the economic crisis.
Creating for our customers an appropriate financial structure for businesses and avoiding insolvency/default.
1999 - 2005: BANCO SANTANDER
Global Wholesale Banking, Corporate Banking
Senior Relationship Manager - Vice President
Responsible for the relationship (trading and risk management) of a portfolio of multinationals (domestic and foreign).
Coordinate and develop with the product areas of the Bank the customer needs, achieving greater linking between the
Bank and the customers, through the identification of new product needs with higher added value for both parties.
Goals:
-. Manage and enhance business relationships. Improving portfolio by 1/3 on both clients and assets under management
up to € 400 MM) and revenues of € 4 MM.
-. Recovering customers lost or quasi lost, leading our position in many of them in the top 3 of their banking pool.
1997 - 1999: BANCO CENTRAL-HISPANO
Corporate Banking Division
Deputy Director of Relationship
Management in liaison with the Director the relationship of a portfolio of large multinational companies (domestic and
foreign).
Goals:
-. Develop and coordinate the relationship with product areas of the Bank, improving customer service.
-. Increased turnover and products managed by the Bank, as well as the customer loyalty.

2. 1994 - 1997: BANCO CENTRAL-HISPANO
Corporate Banking Division - Central Unit for Risk Analysis
Senior Analyst - Director
Senior Risk analyst with responsibility in the design, management and restructuring of the Department of the Bank’s
business risks with a national team of over 300 people. Member of the quality monitoring of risk process and collaborator
of Department of Risk Training courses
Responsible for the approval and management of risk operations that by its size were restricted to the higher Bank risk
committee, as well as responsible for a team of 12 analysts. In addition, supporting duties to the risk departments of the
Territorial Areas in complex operations.
Goals:
- Creation and design of the new Risk Department in liaison with the General Manager. With a substantial improvement
in the decision-making processes and the credit quality of the portfolio. Thereby achieving significant reduction in
response time averaged around 30% and a reduction of costs (via less provisions, incidents and recovery management).
- Training responsibilities for the new risk analysts team, which generated a highly trained group , consisting of more than
300 people across the country.
1992 - 1994: BANCO CENTRAL-HISPANO
Corporate Banking Division - Investment Analysis Department
Junior Risk Analyst
Risk Analyst for Corporate, in very different sectors: distribution, industrial equipment, energy, communications,
engineering, automotive, transportation, food, tourism…
Performing the work of analysis and assessment of operations / customers and monitoring of risks.
Education
Bachelor Degree in Business Administration from the University of Buckingham (England)
Courses and Seminars
- Business management and relationships with customers and suppliers
- Retail and financial implications
- Supply Chain and consumer implications
- Internet and E-Business
- Financial Markets and Treasury Products
- Business Risk Analysis and Forecasting Financial Statements
- Principles of Quality and Team working
- Planning and Management Company
- Cash Management, SEPA
- Structured finance