Lin-Mari Le Roux, Cfa Email & Phone Number

Canada

*Responsible for credit risk methodologies, model development and the evaluation of vendor models pertaining to ratings, counterparty credit risk and credit portfolio measurement.*Support ongoing model performance and quality assurance through model assessment and performing data analysis.*Periodically conduct validations of existing credit models against established frameworks.*Manage the assignment of work for the ongoing operation and maintenance of the risk models in production.*Engage with the larger risk team and front office stakeholders to identify areas of model and credit reporting improvements and to resolve any issues that may arise.*Compile, build, manage and approve credit risk related reports, as applicable. *Systems/Tools: Python, SQL, Power BI, Excel, AIMCo Systems and Databases

Greater Edmonton Metropolitan Area

Core Overview: ­*Consulting with business units (“clients”) to establish technology requirements in support of their organizational objectives; and facilitating the translation of the requirements into usable artifacts for the technology team to ensure that the correct technical solutions are developed and implemented that meet the operational improvement needs of the client.Core Responsibilities: ­*Conducting needs assessments and facilitating the requirements gathering process with the business users to identify relevant requirements in the context of the assigned project.­*Using analytical skills to analyse and quantify the business impacts of the project initiatives.­*Understanding of the processes and workflows of the business units.­*Communicating and building good relationships with the stakeholders; and acting as a liaison between all the relevant stakeholders and the Business Technology (‘BT’) team members.­*Developing and delivering presentations to the business, the BT Delivery and BT Operations teams.­*Interacting directly with developers and other cross functional team members, including the appropriate technical experts and managers, to solve business needs, present solutions and implement the agreed requirements.­*Investigating and defining problems, coordinating with others to gather information to identify root causes and resolve issues that may arise. ­*Working in collaboration with the Delivery Manager and Project Manager to clarify requirements, coordinate efforts between the business unit stakeholders and the Business Technology team members, and prioritise work items to ensure the primary objectives of the project are met.Projects:­*Initial Margin (Phase 5) implementation for OTC Derivatives ­*Private Debt and Loans system implementation*SCD Upgrade*Credit Facility *Other

*Conduct, compile and present quality credit risk analysis, applications and reviews; and provide approvals within credit mandate.*Monitor a portfolio of Project Finance and Resources clients across Africa, including Mining, Renewable Energy, Oil&Gas, and Infrastructure clients and projects.*Inform bank’s appetite to extend credit to clients, presenting bankable solutions for transactions and trades.*Assigned Level 4 Credit Mandate (up to R500mil) scaled according to clients' ratings.Responsibilities:*Proactively manage credit risks associated with the client portfolio, and administrative and operational aspects.*Prepare or approve credit applications and reviews by analysis and interpretation of financial statements and industry data.*Analyse financial models and sensitivity analysis as appropriate.*Perform rating analysis and assessments.*Maintained up-to-date insights into secondary markets and traded product environment (eg derivatives); including related legal documents (eg ISDA, CSA, GMRA).*Produce relevant management information and manages exposures.*Implement and manage adherence to Bank’s credit policy and philosophy.*Where necessary, conduct credit review meetings with senior management of portfolio of clients in collaboration with respective Relationship Executive.*Present credit applications and reviews to mandated sanctioners and senior Committees.*Wrote and updated Credit Policies, Standards and Policy Supporting Documents; and Mandate and Scale (Sector Risk Appetite) Documents.*Provided guidance and mentoring to junior colleagues.*2015 - 2019: Credit System Interface Redesign and Development team (“Action Team”) member.

Sandton, Johannesburg, South Africa

*Conduct, compile and present quality credit risk analysis, applications and reviews; and provide approvals within mandate.*Monitor portfolio of African and International NBFI clients, including Insurance firms, Asset managers, Private equity (“PE”) funds, Collective investment schemes, Retirement funds, Brokers, Fund administrators.*Inform bank’s appetite to extend credit to clients, presenting bankable solutions for transactions and trades.*Assigned Level 5 Credit Mandate (up to R300mil) scaled according to clients' ratings in 2015 and Level 4 Mandate (up to R500mil) in 2016.Responsibilities:*Proactively manage credit risks associated with the client portfolio, and administrative and operational aspects.*Prepare or approve credit applications and reviews by analysis and interpretation of financial statements and industry data.*Maintain up-to-date insights into secondary markets and traded product environment (eg derivatives); including related legal documents (eg ISDA, CSA, GMRA).*Analyse and compile forecasts, projections and sensitivity analysis as appropriate (eg PE funds and larger transactions).*Perform rating analysis.*Produce relevant management information and manages exposures.*Implement and manage adherence to Bank’s credit policy and philosophy.*Where necessary, conduct credit review meetings with senior management of portfolio of clients in collaboration with respective Relationship Executive.*Present credit applications and reviews to mandated sanctioners and senior Committees.*Write and update Credit Policies, Standards and Localised Policy Supporting Documents; and Mandate and Scale Documents.*Interview new candidates for NBFI&Prime team. Train, guide and assist Credit Analysts in NBFI Credit team; assist ICG team members as needed; mentor to a junior colleague.*2015 - 2019: Credit System Interface Redesign and Development team (“Action Team”) member.*2014 - 2015: Coordinated and compiled monthly statistics for ICG Credit Teams.

Sandton, Johannesburg

*Conducts, compiles and presents quality credit risk analysis, applications and reviews.*Monitors portfolio of Non-Bank Financial Institutional ("NBFI") clients, including Insurance companies, Asset managers, Private equity (“PE”) funds, Collective investment schemes, Retirement funds, Brokers, Fund administrators.*Informs bank’s appetite to extend credit to clients, presenting bankable solutions for transactions and trades.Responsibilities:*Proactively manages credit risks associated with the client portfolio, and administrative and operational aspects.*Prepares credit applications and annual reviews by analysis and interpretation of financial statements and industry data.*Maintains up-to-date insights into secondary markets and traded product environment (eg derivatives); including related legal documents (eg ISDA, CSA, GMRA).*Analyses and compiles forecasts, projections and sensitivity analysis as appropriate.*Performs rating analysis.*Produces relevant management information and manages exposures.*Implements and manages adherence to Bank’s credit policy and philosophy.*Where necessary, conducts credit review meetings with senior management of portfolio of clients in collaboration with respective Relationship Executive.*Presents credit applications and reviews to mandated sanctioners and senior Committees.*Assists other Credit Analysts in NBFI Credit team; and assists greater Iinstitutional Client Group ("ICG") team members as needed.*2014: Coordinated and compiled monthly statistics for ICG Credit Teams.*2013 - 2014: ICG Credit Committee Secretary: Scheduled meetings; distributed agendas and presented papers; oversaw completion, sign-off and distribution of minutes.

*Covering the Tygerberg Winelands Region (Western Cape SA) served a diversified client-based portfolio across industries in Nedbank’s Business Banking division, focusing on medium-sized private businesses with turnover ranging between ZAR7.5mil and ZAR400mil within team serving upper end of this market.*Apart from general bank finance facilities, also wrote more structured deals, including preference share and share-backed lending type transactions.Duties and Responsibilities:*Wrote credit applications, reviews and reports | Prepared credit applications for presentation to Credit Committee | Gathered information from clients, Relationship Managers and other sources on business background | Researched markets / industries in which they operated.*Performed financial analysis and assessments by: Analysing and interpreting financial statements | Discussing and highlighting critical risk aspects | Preparing Moody’s Financial Analysis spreadsheets | Capturing data into BASEL II Probability of Default rating model | Preparing cash flow projections | Assessing and reviewing Debtor Analysis | Monitoring client adherence to bank covenants and conditions.*Provided recommendations and mandated approvals. *Maintained credit control and systems administration. | Assisted Credit Managers with all aspects of the credit portfolio.*Trained Junior Analysts in the team. *Supported Relationship Manager and Credit Risk (Credit Restructure and Recoveries) Division when needed.Key Achievements:*2012: Assigned a Credit Mandate.*2006 - 2012: Certificates of Recognition: Area.*2010 - 2011: Certificates of Recognition: Regional.*2007: Appointed Champion (Advisor) for Algo Credit Administration System (bank operating and risk management system).

Cape Town, South Africa

Wrote credit applications, reviews and reports | Managed client relations on behalf of the Relationship Manager when out of office | Serviced clients by solving queries, overseeing transfers and account openings, and connecting clients with appropriate colleagues.

Bloemfontein, South Africa

*Assisted with administrative tasks on part-time basis.*Providing assistance to lecturers.*Presenting Tutorial classes for first year economic students.*Marking of test papers.

Cfa Qualification

Was awarded the CFA Charter in January 2016.

General Management Programme (Gmp) 2017, Management

Date completed: 6 Oct 2017 https://www.gibs.co.za/programmes/open-programmes/pages/general-management-programme-gmp.aspx

B.Com Hons (Investment Management) (Cum Laude), Investments, Economics, Finance

­Majors: Investment Management, Econometrics, Derivative Markets, Macro-Economics, International Finance, Advance Financial Management.

Education record

Exchange student in Rennes, France, for the first semester of 2003.

B.Com (Banking) (Cum Laude), Economics, Statistics & Finance

Majors: Applied Statistical Inference, Applied Regression and Time Series Analysis, International Finance, Bank Management, Strategic.

Education record

Education record

*Influential Leadership and Teamwork course (BA related); NAIT [20-21 Oct 2021] *Requirements Analysis Validation course (BA related).