LA HIPOTECARIA - Key Persons
Mr. De La Guardia obtained his B.S. from Villanova University, Pennsylvania in 1959. He has also attended specialized courses in the The Maryland Insurance School. Since 1966 he has been President and CEO of Servicios de Seguros, S.A. an important insurance agency in the Republic of Panama. Currently Mr. De La guardia is a Director and Vice President of Banco Continental de Panamá, S.A., a Director of Empresa General de Inversiones, S.A., (Banco General), Director and Secretary of Grupo ASSA, S.A., Director and Secretary of ASSA Compañía de Seguros, S.A., Director and sub-Secretary of Harinas de Panamá, S.A., Director and Treasurer of Promarina, S.A., Director and Secretary of Profuturo, S.A. (a leading Panamanian pension fund), y Director of Desarrollo El Dorado, S.A. Mr. De La Guardia was born on October 19th of 1937.
Education: Mrs. Ochoa is a lawyer, graduated from the Colegio Mayor de Nuestra Señora del Rosario (Universidad del Rosario) 1986, with qualified thesis work with merits. She also obtained a Diploma in General Insurance, awarded by the National Insurance Institute, 1991.
Experience: Mrs. Ochoa began her professional career as a junior and later senior lawyer at the firm Preciado Peña y Asociados, (third year of career-1987). Later, she worked in different positions as Lawyer of the Legal Vice Presidency of FASECOLDA, - Colombian Insurance Union, editor of the Legal Bulletin and SOAT bulletin for said Entity (1987-1989), General Secretary of the Universidad del Rosario, (1989-1991 ), Private Secretary of the first Attorney General of the Nation (1991-1994), Director of the Latino Foundation of Colombia, dedicated to studies of regional integration and financial services with Venezuela, (1994-1995), Manager, General Secretary and Lawyer of the Rodríguez Azuero Asociados law firm (1995 to 1999), Deputy Director of the Arbitration and Conciliation Center of the Bogotá Chamber of Commerce (1999-2001), Director of the Pavement Research Center (2010-2012), Executive Director of the Association of Asphalt Producers and Pavers of Colombia - ASOPAC (2001-2010), and in various periods, Associate Professor to the Chair of Commercial Societies at the Faculty of Jurisprudencia of the Universidad del Rosario. Mrs. Ochoa is currently a Lawyer for Santiago Jaramillo, Villamizar y Asociados, since October 2012.
Education: Mr. Oduber obtained his Bachelor Degree in Business Administration from George Mason University, Virginia, United States.
Experience: Mr. Oduber began his professional career working in the Corporate Credit Department at Chase Manhattan Bank, N.A. Later, he worked for the Wall Street Securities Group for more than eight years, working mainly in the areas of Corporate Finance and Risk Management; His last position within the Wall Street Securities Group was Second Vice President of Risk Management. Mr. Oduber has held various positions in La Hipotecaria in the areas of Finance, Operations and Business Support, as well as the General Manager of the operation in Colombia. He is currently the Executive Vice President of Credits, Collections and Regulatory at the regional level.
Mr. Fábrega obtained his B.S. in Business Administration from Texas A&M University (1993). Later he obtained a MBA from Nova Southeastern University in (1997). Currently, Mr. Fabrega is the Executive Vice President and General Manager of ASSA Compañia de Seguros, S.A., and prior to that he served as VP General of Branches, Director of the Corporate Insurance Division, Technical Manager and Finance Manager among other positions in the same company. He was born on November 5, 1971.
Education: Mrs. Tejeira graduated with a Bachelor of Science in Finance from Florida State University, Tallahassee, Florida. She obtained a Master of Business Administration (M.B.A.) from Nova Southeastern University in Ft. Lauderdale, Florida through its branch in Panama.
Experience: Mrs. Tejeira began her professional career in Dresdner Bank Lateinamerika AG, in areas of Fixed Term, Treasury and Private Banking. Subsequently, she worked for more than 5 years at Citibank, N.A. as Treasury Manager and responsible in addition to the brokerage house affiliate, Citivalores, S.A. In 1997, Giselle joined one of the largest private banks in Panama, PRIBANCO, where she served as Vice President of Treasury and Investment Banking, being responsible for managing the Bank's liquidity, the securities and commodities exchange positions and its offshore bank. In 2000, Mrs. Tejeira joined Banco Continental de Panamá where she worked for more than 7 years as Vice President of Treasury and Correspondent Banking, managing and developing a vast experience in relationships with financial institutions and risk rating agencies. As a result of the merger with Banco General, S.A, she was appointed Vicepresident of Financial Institutions and in charge of the offshore bank, Banco General (Overseas), Ltd. During her professional career, Mrs. Tejeira served as Director of the Board of Directors of Bolsa de Valores de Panamá, S.A. and Central Latinoamericana de Valores-LATINCLEAR. She is currently the Executive Vice President of Finance at the regional level of La Hipotecaria.
Job Titles:
- CEO
- Director
- Executive Vice President
- Founder
- President
- Legal Representative
John Rauschkolb is Founder and CEO of Banco La Hipotecaria, a Panamanian-based mortgage bank with subsidiary operations in El Salvador and Colombia.
John holds a bachelor's degree in Business Administration from Pepperdine University, an MA in International Management from the Lauder Institute at The University of Pennsylvania and MBA in Finance from The Wharton School at The University of Pennsylvania, MBA.
John has thirty-eight years of mortgage-banking experience having begun his mortgage banking career in California in 1983 where he worked in the industry until 1992 before beginning his graduate studies in finance and international management. After finishing his graduate studies he became Director of Mortgage operations for Invermexico, Banco Mexicano where lived through the peso devaluation of 1994 and its aftermath.
In 1997, John founded the company that is today Banco La Hipotecaria, a regional mortgage lender based in the Republic of Panama, that specializes in the in the origination, servicing and securitization of residential first-mortgage loans to homeowners in the middle and lower-middle income brackets. Today, La Hipotecaria services a residential portfolio of over 30,000 mortgages totaling nearly US$1 billion with an average loan size of $35,000. The company employs 250 persons in 11 offices in Panama, El Salvador and Colombia. The La Hipotecaria has successfully completed sixteen MBS transactions, including the pioneering issuance of seven regional cross-border investment-grade rated securitization of the bank´s residential mortgage portfolio placed into U.S. markets.
John has served as a Director of the Panamanian Securities Exchange (Bolsa de Valroes de Panamá) and the Central American Clearing Agency (Central Latinoamericano de Valroes, S. A.) and the Panamanian Banking Association. He is also an active member of the Panama Chapter of YPO. John lives in Panama City, Panama with his wife Mayra and they have three sons, Eric, Mark and Paul.
Mr. Pelyhe attended the Accounting School at the University of Panama. Before joining Grupo ASSA, Mr. Pelyhe worked six years as an auditor for the accounting firm KPMG where he specialized in banking and insurance and formed part of its prestigious training group. Currently, Mr. Pelyhe is Vice President of Finance and Investments at ASSA Compañía de Seguros, S.A. and several of its subsidiary companies. Mr. Pelyhe is also Director of LatinClear, Director of Desarrollo El Dorado, S.A., Metropolitana Compañía de Seguros, S.A., Profuturo Administradora de Fondos de Pensión y Cesantía, S.A., Reaseguradora Nuevo Mundo, S.A., Telecarrier, S.A. Esteban Durán-Amat, S.A., y Planeta Verde, S.A. Mr. Pelyhe was born on October 5, 1951.
Job Titles:
- Independent Vice President
Mr. Cardoze obtained his Bachelor of Arts in Duke University, Durham, North Carolina (2000). Later he obtained the Title of Juris Doctor of Washington University, Saint Louis, Missouri (2003). Professionally he serves as a Partner and member of the Executive Committee of the Arias, Fabrega & Fabrega Law firm. He is a licensed attorney in Panama and in the State of Florida, United States. He is a Director of ASSA Compañía de Seguros, S.A., Fondo General de Inversiones, and is a former alternate Director of the Bolsa de Valores de Panama and of Central Latinoamericana de Valores, S.A. He was born January 4, 1978.
Mr. Hanono obtained his B.S. in Business Administration from the American University (1989). He is the CEO of the different companies that comprise the group Emresas Vicsons, an important Panamanian real estate investment company. Mr. Hanono is a member of the Board of Directors and Executive Committee of Grupo ASSA, S.A. and ASSA Compañía de Seguros, S.A. He was born on July 23, 1968.