The Legal team is one of the great pillars of Pendulum and its main purpose is to promote, formalize, and facilitate recovery actions of the assets that we service. The different legal areas are always attentive to legislation and current regulations in the different locations throughout the country, to define the best strategies for optimum performance in legal and business terms, as well as to minimize legal risks to the Company, our clients and business partners.

The departments that comprise the Legal Team are diverse and each one of them offers ample growth and development opportunities:

Litigation Area • Legal Consulting • Corporate Legal • Legal Auditing • Internship

The collections departments are vital in our organization and their primordial objective is to obtain the recovery of loans and mortgages employing the highest standards of negotiation and creating opportunities that benefit the debtors as well as our corporate clients.

The Collections teams specialize in the types of credits that they manage and constantly participate in training and development programs that prepare them to assume new challenges and professional opportunities.

Our collections departments are recognized for their application of the most effective strategies to successfully conclude negotiations; as well as for their honesty and client focused attitude.

Executives with ample recognition in the real estate sector as well as the commercialization of properties in different regions of the country. Passionate about new challenges and the application of the most effective strategies in the market.

The operations departments provide the support and follow up to the actions carried out by the Legal and Collections teams, allowing the fulfillment of defined commitments with our corporate clients, debtors and competent authorities.

Each operations department requires the application of knowledge and specialized techniques that serve as the link between operations and staff (administrative).

Only professionals with the highest level of experience in the sector form a part of these teams:

• Portfolio: This department is in charge of multiple activities, which is why the professionals that collaborate within it are distinguished by ther capacity for analysis, organization and data administration, parametrization of systems, interactions with regulatory authorities and generation of reports amongst others.

• Customer Service: Associates interested in assisting any request by our debtors, committed to exceed service expectations and satisfy any inquiry or doubt.

• Appraisal: A team formed by professionals in the appraisal of real estate and market analysis, as well as recent graduates in the field, interested in forging a professional career in this area.

Information is a vital resource for our Company, due to the fact that based on its analysis and revision we are able to understand how we are performing, where we may improve and which opportunities we should take advantage of.

Sharing this information with our Corporate Clients is on the added values that distinguish our Organization.

This is why the professionals with proven track record in the field, as well as those who are beginning the professional trajectory, find this department to be a valuable opportunity to join their talent with the most innovative technological tools and thus create the reports with the highest levels of accuracy in the industry.

Communication with our Corporate Clients for the follow up of their business plans and development of new business opportunities, are indispensable activities for any Organization. At Pendulum, the executives with the highest level of experience in the day to day operations, processes and business standards are part of this team that strives to satisfy the highest expectations of our Clients.

The knowledge these executives have of the market and their abilities to keep in contact with the national and international financial institutions is compelling and clear.

They keep a role of integrating agents that concentrate the efforts carried out by various areas that conform the Pendulum team, in order to fulfill the requirements posed by our Corporate Clients.

At Pendulum we have made technology a fundamental ally to optimize our operation and exceed Client expectations.

The investment we have made in this aspect has allowed us to develop and implement application and systems that support the high volumen of operations carried out by our different areas.

and systems that support the high volumen of operations carried out by our different areas Specialized teams have allowed the design, development, implementation and maintenance of these system and applications:

• Programming and Coding: Programmers who carry out complex coding in technological platforms such as J2EE, PL/SQL, IBIEE, among others; IT systems reviewed by QA experts who guarantee the quality and performance of the programs.

• Infrastructure: Professionals with varying degrees of specialization ensure the proper performance of our IT systems, databases, telecommunications, hardware and software used throughout the corporation.

• Processes and Projects: Expert personnel apply methodologies and industry standards to document our processes, ensure quality and continuous improvement as well as oversee projects with the highest level of efficiency and resource optimization.

One of our Organization’s pillars is financial stability, and that is why the teams that make up the Finance Department play a vital role in the development of the company. Their objective is to promote the growth of Pendulum,, protect its assets and ensure the best use of our financial resources.

he challenge this team faces is a permanent one, facing a complex economic and fiscal environment, however the extensive experience of our teams in Treasury, Accounting and Fiscal areas has allowed the full compliance of their responsibilities, according to current norms and regulations, as well as the policies and guidelines set out by Pendulum.

Undoubtedly our human resource is what allows our company to carry out its mission. That is why it is of the utmost importance for Pendulum to acquire human resources that have the best education, experience, abilities and capacities to carry out the assigned responsibilities.

Pendulum has assumed the responsibility of training and educating its associates, creating a culture of development and continuous improvement on a professional and personal level.

In addition, the Internal Communication team keeps all associates informed of important events and developments in the Company and the markets we operate in.

Finally, Pendulum recognizes the value of each contribution made by its collaborators and assumes the importance of fulfilling its contractual commitment in a timely manner with each of them.