Our Team

TerraCotta is led by a team of ambitious, highly-qualified and committed leaders.

Collectively, the TerraCotta team has over 100 years of experience in commercial real estate credit, over 65 years of collective experience in data analytics and information systems, and over 15 years in the pioneering of research, testing, and application of advanced data analytics in real estate credit investment.

Katherine Boyle

Analyst, Investments



Bryan Cavalier

Managing Director, Investments

Darren Cline

Managing Director, Loan Marketing


Paul Hayashi

Principal, Investments

Geraldine Kim

Director, Investments


Bharat Lakhanpal

Chief Information Officer & Chief Operating Officer

Veronica Ramos

Director, Investments


Tingting Zhang

Founder, President & Chief Executive Officer