Esther Montes
Head of Monitoring and Recoveries
Esther Ana Montes Vera holds a degree in Business Administration and Management from the Complutense University of Madrid, a PD in Refinancing and Restructuring from the IEB and an expert course in Insolvency Proceedings from INESEM.
She has spent her professional career at ICO, where she has held various positions and responsibilities in different posts in the Directorate General of Risks: Head of the Retail Monitoring and Recovery Area, Head of the Wholesale Monitoring and Recovery Area and Head of the Monitoring and Recovery Department.
As Head of Operations Management and Monitoring of ICO, she is responsible for the control and monitoring of the risk of ICO's direct operations, the analysis, negotiation and proposal to the competent bodies of ICO of the restructuring of operations in normal risk in special surveillance, doubtful and failed risk, as well as the management, evaluation and execution of the recoveries of the operations financed directly by ICO. She is also responsible for the coordination, monitoring and control of recoveries and defaults of the State Guarantee lines of credit.
The Asset Operations Management Department and the Monitoring and Recoveries Department report to the Operations Management and Monitoring Directorate.