Elias F Espinal

elias.f.espinal@gmail.com  408-390-6059
linkedin.com/in/espinalelias
Skills Summary
 Effective verbal and written communicator with strong analytical, organizational, and interpersonal skills.
 Proactive problem solver that identifies, develops, and strives to implement creative solutions.
 Self-driven individual that can manage multiple competing priorities autonomously and navigate them to completion.
 Robust financial modeling skills that help drive insightful decision making.
Education
San Jose State University
B.S. in Business Administration, Dual Concentration in Finance and Accounting May 2015

San Jose State University

Master of Business Administration Expected May 2021

Notable Projects & Achievements

 Streamlined a Division-wide process where legacy systems were revamped with new solutions for better accuracy and compliance tracking.
 Graduate and recipient of Comerica Bank’s Credit College.
 Ambassador for Comerica’s California Hispanic Diversity Program where we help spark businesses initiatives in the Hispanic community.
 Vice President of Community & Outreach for my university’s Banking & Investment Association
 Founding member and analyst in San Jose State University’s first ever student managed investment portfolio. I helped manage the healthcare
sector of the portfolio and provided stock recommendations to our investment committee.

Community Service
 Volunteer SJSU Economic Summit
 Financial Literacy Mentor Breakthrough Silicon Valley

Work Experience

Comerica Bank: Venture Capital Group Palo Alto, CA

Portfolio Manager, Assistant Vice President
Jan-18’ – Present

 Monitor various aspects of assigned portfolio by tracking performance, building financial models and what if scenarios to stress risk metrics.
 Perform due diligence on business models, forecast budgets, industry analysis, and financial statements on Life Science
and Technology companies helping relationship managers structure new loan opportunities and modify existing loans.
 Develop, engage, and maintain affairs with portfolio companies, lending partners, and investors to continue building
meaningful relationships for the Bank.
 Engage in ad hoc projects for senior management to provide quarterly support and insight for our portfolio metrics.

Comerica Bank: Venture Capital Group Palo Alto, CA

Underwriting Associate II
Mar-17’ – Dec-17’

 Performed analysis on business models, cap tables, SaaS metrics, and financial modeling for
prospective and existing Life Science and Technology portfolio companies.
 Assist officers in the process of deal structuring by providing value-added business analysis
based on due diligence findings and financial modeling assumptions.
 Spearheaded multiple strategic project initiatives that improved underwriting accuracy and efficiency for Group.
 Trained new hires that joined the Group and helped teach them the fundamentals of our underwriting principles.

Comerica Bank: Venture Capital Group Palo Alto, CA

Underwriting Associate I
Sep-15’ – Mar-17’

 Helped senior officers put together deal packages for credit committee presentation.
 Led efforts in preparing monthly loan reports for senior managers and credit officers.
 Performed various aspects of due diligence surrounding financial analysis, risk assessment, and financial modeling.