Osvaldo Ortiz Email and Phone Number

• Analyzed commercial portfolio profile to identify trends, portfolio behavior and potential risks to define proactive mitigating actions. • Prepared the Portfolio Deck and discuss it with Corporate’s headquarters in Madrid and with the Holding Company in Boston, MA, on a quarterly basis. • Management of commercial and consumer risk models to identify potential prospects based on historical information from active bank’s customers from both segments.• Analyzed output based on parameters, evolution, and movement of the commercial portfolio and concentration and deviation of the model.• Setup, calibrate, troubleshoot, and score models. • Interact with Santander Analytics’ Service provider for maintenance and evaluation of models’ performance. • Developed recurrent model-behavior and monitoring reports.

• Analyzed commercial and consumer processes to identify opportunities for improvement to streamline and improve efficiency and enrich risk culture among the organization. Document former and new processes outcomes to design a system for the automation of the process. • Monitored transactions to proactively identify non-compliance with contract’s agreements which may increase credit risk. • Developed follow-up plans based on examination results. Implementation of an automated system that allowed daily loan monitoring, identification of non-compliance with contract agreements and providing corrective measures. • Negotiated contracts with providers to include cost, services, metrics, and models, to ensure compliance with Company’s policies.Accomplishment:- Developed and oversaw implementation of a commercial portfolio monitoring alert system (“Portfolio Map”) allowing compliance with bank policies and procedures. Achieved generated daily reports to both business and credit officers with customer alerts. Credit officers effectively managed portfolio deficiencies. Data and information were available in real-time, enhancing the monitoring process over the commercial portfolio.- Objective Measurement Automation: design and implement a system to link employees’ achievements to performance incentives and compliance with objectives. Allowed Management to better support employees’ achievements based on quantitative data.

• Management of $80MM portfolio, concentrated in Small and Medium Enterprises (SME). Designed effective strategies to ensure portfolio was complying with established credit policies.• Provided alternatives for loan recovery, such as restructuring, and payment plans as needed. • Managed regions’ delinquency levels to ensure compliance with established objectives. • Evaluated compliance with laws, policies and regulations and recommend corrective actions against deficiencies or risky practices.• Validated, monitor, control, and maintain accounting transactions and records, within financial integrity parameters.

• Managed a commercial credit portfolio of $50 million. • Developed strategies that kept delinquency levels below the industry average.• Evaluated on-site clients’ operations and advised on credit alternatives.• Designed credit analysis and strategies to bring accounts to a status.

• Presented forecasts, schedule analysis, and status to upper-level management.• Delivered presentations and workshops to support productivity recommendations. • Managed business relations with the consultant, Capital Tandom, New York.• Designed strategies and tactics to, within six-months, consolidate operational tasks to prevent duplicity and increase income by improving collection strategies. This included task versus time requirements analysis per employee, capacity analysis and tracking headcount relocations and reductions, systems digitalization, pricing, origination fees, and Internet services fees.• Member of the Reengineering Staff, resulting in a cost reduction $15MM, through efficient pricing strategies and processes improvement.

• Establish client pricing based on risk identification and historical performance and provided consulting and support to car dealer’s customers. • Developed and implemented an Island-wide credit officer evaluation and progression business analysis report.• Supervised five employees: three credit officers and two clerks.Accomplishment:- Managed one out of five regional auto loan centers, with a $25MM loan portfolio, and achieved the lowest delinquency rate among all regions. Increased portfolio by 20%.

• Administration of the Human Resources Department information system. • Analyze proposals, supervised system tests, and authorized changes. • Design the Human Resources Budget System, including salaries, organizational expenses, and new hire positions.• Executed quarterly management reports.