Across disciplines.
Experience spanning structured finance, capital markets, strategic finance and enterprise risk. Connected thinking for decisions that cross organizational boundaries.
INDEPENDENT STRATEGIC ADVISORY
Terra Pointe
Capital Advisory
Grounded perspective.
Senior-level judgment for consequential decisions involving capital, markets, finance and risk.
Explore our perspectiveCAPITAL / MARKETS / FINANCE / RISK
01 / ABOUT
Complex decisions
rarely exist in isolation.
Terra Pointe Capital Advisory is a boutique independent strategic advisory firm helping senior executives navigate complex financial and strategic decisions.
Capital structure shapes strategy. Markets influence funding. Risk affects the choices available tomorrow. Understanding those connections requires a perspective that reaches beyond any single discipline.
We bring together experience across capital, markets, finance and risk to evaluate alternatives, surface tradeoffs and anticipate second-order effects. Our purpose is straightforward: to help leaders make better-informed decisions.
02 / WHY TERRA POINTE
A broader view.
A considered judgment.
Across the enterprise.
A view beyond the immediate question, considering the implications for capital, liquidity, earnings, stakeholders and long-term strategic flexibility.
Independent by design.
Direct access to senior-level judgment, with the engagement centered on your decision. Clear analysis, constructive challenge and a perspective grounded in your objectives.
03 / CAPABILITIES
Five disciplines.
One connected perspective.
Capital & Balance Sheet Strategy
Assess how capital, funding and liquidity support business objectives. Evaluate the tradeoffs between near-term priorities and the flexibility to pursue future opportunities.
Capital allocation · Capital structure · Funding & liquidity · Balance sheet scenarios
Capital Markets & Structured Finance
Bring a market-informed perspective to financing alternatives and structural choices. Understand the economics, constraints and strategic implications before committing to a path.
Financing alternatives · Securitization · Structural analysis · Market & investor considerations
Strategic Finance & Decision Support
Translate complex financial questions into clear alternatives for executive discussion. Connect analytical detail to the commercial and strategic choices that matter.
Strategic alternatives · Business cases · Financial analysis · Resource allocation
Strategic Risk & Resilience
Explore how changing conditions could challenge a strategy, and where they may create opportunity. Test assumptions and consider the consequences beyond the first-order outcome.
Emerging risks · Scenario analysis · Risk-return tradeoffs · Strategic vulnerabilities
Analytics & Market Intelligence
Build a clearer basis for decisions through financial modeling and focused market analysis. Assess financing economics and debt capacity, test sensitivities, and connect market developments to their implications for the business.
Financial modeling · Pricing & financing analytics · Debt capacity analysis · Market monitoring · Sector intelligence
04 / LEADERSHIP
Jorge Panduro
FOUNDER & MANAGING PRINCIPAL
24
years of experience
at Bank of America
A financial-markets foundation.
An enterprise-wide perspective.
Jorge Panduro founded Terra Pointe Capital following a 24-year career at Bank of America spanning structured finance and financial institutions, capital, strategic risk and senior enterprise leadership.
His experience brings together the analytical discipline of structured finance with the broader perspective required to assess capital, financial and strategic decisions across a complex institution.
Through Terra Pointe, Jorge works directly with senior leaders to frame consequential questions, examine alternatives and understand how decisions in one area can affect the wider enterprise. His approach combines rigorous analysis, practical judgment and constructive dialogue.
Jorge holds a B.S. in Mechanical Engineering from the Massachusetts Institute of Technology (MIT).
05 / INSIGHTS
Perspective, in practice.
Observations on capital, markets
and strategic risk.
Forthcoming perspectives from Terra Pointe Capital.
06 / CONTACT
Start a
conversation.
A consequential decision deserves a considered perspective.
For executives and organizations navigating complex capital, financial and strategic questions.
Charlotte, North Carolina