As a seasoned financial professional with experience in portfolio management, asset disposition, and strategic analysis, Gabriel De Hoyos Cruz is well-known in the field of finance. Mr. De Hoyos Cruz currently serves as the Risk Officer at Caribbean Investment & Acquisition LLC and CIAC, LLC, both part of the CIAC Group.
Education and Training
Gabriel De Hoyos Cruz is a graduate of the Inter American University of Puerto Rico, where he earned a Bachelor of Science in Pure Mathematics in 2007.
Gabriel has received specialized training in risk management, including:
Gabriel De Hoyos Cruz started a position as a business analyst in 2008 for Santander Bank of Puerto Rico. In 2009, Mr. De Hoyos Cruz was selected as a strategic member of Santander Bank’s risk portfolio team. His role was to restructure the company’s risk management department as well as prepared annual business plans for branches in Spain, the U.K., the United States, Chile, and Portugal.
Gabriel transitioned to the Popular Bank of Puerto Rico in 2010. As a risk portfolio analyst, he proposed credit policy changes and developed management strategies for the bank’s growing portfolio.
Later in 2010, Gabriel joined the team at Doral Bank of Puerto Rico, where he served in several roles, including senior risk strategic analyst and senior portfolio manager. Among his many responsibilities were developing and implementing loss mitigation strategies, portfolio analysis, creating a commercial investment execution plan, and modifying pricing formulas to increase revenue on commercial property sales.
Gabriel also worked at FirstBank as the Asset Disposition Officer. His role was dealing with investors and hedge funds along with selling the bank’s REOs and distressed debt. Later, he transitioned to the Risk department where he served as the Risk Portfolio Manager for the bank’s mortgage portfolio.
Today, Gabriel De Hoyos Cruz serves as the Risk Officer for CIAC Group, tasked with performing due diligence of new investment acquisitions, reviewing portfolios, and developing debt restructuring plans. He also oversees the daily office operations of CIAC and its team members
Mr. De Hoyos is also a successful real estate investor with vast knowledge in Residential and Commercial long term rentals and rehabs.