Ricardo Chavez Email and Phone Number

Assess customer's risk profile for Retail and Small Business segments of Business Banking in the Caribbean Region (8 counties). The total Retail portfolio is US$9.3Bn approx. and the Small Business is US$400MM approx.Develop risk strategies and processes using data analytics to adjudicate loans more efficiently within the Bank's Risk Appetite resulting in US$1.7Bn retail bookings approx. during the last 12 monthsLed a large team of 90 risk officers across the region, ensuring that the credit adjudication process and decision-making aligned with the Bank's risk appetite. PCL is at 1.15% Y/Y below plan by CAD$8.2MM (Plan CAD$24.7MM)• Ensure that provisions comply with the established threshold for the retail and small business portfolios which are monitored monthlyManage the portfolios to maintain exceptions within the cap limit below 5%s Y/Y at 4.3%. Delinquency has maintained a low level totaling 30+days-past-due at 4.5% and 90+ at 2.1%

Executed the evaluation of the effectiveness of controls for the retail, wealth and small business credit risk functions (end-to-end processes) across the Bank (e.g. gaps in the Private Banking portfolio that impacted CADS$40MM write-offs)Identified weaknesses in controls, gathered facts, determined the root cause of the impact of the problem, and prepared or reviewed audit findings (e.g. loan portfolios - residential mortgage ~Bn$300, personal loans ~Bn$91 and credit cards ~Bn$12)Recommended policy changes to properly estimate the Loan to Value (LTV) for automobile loans where the LTV was above 90% impacting ~Bn$1.0 of loans in the portfolioLed the planning of end-to-end audits on assigned areas, ensuring the scope and extent of work were by the approved plan, and Audit Methodology (following COSO Framework) for Canada and internationally.Validated and tested for closure of OSFI audit issues, ensuring that identified gaps are closed

Evaluated customers' credit risk for 350+ Professional Small Business customers (accrual and non-accrual status), originating in Canada and eight Caribbean countries. Loan portfolio of ~Bn$8 for Canada and InternationalCertified that the credit loan portfolio complies with the Canadian regulatory framework, and the Bank's policies and procedures.Led a team of Sr. Credit Officers on credit recommendations, and risk management methodologies and processes, to comply with Bank's policies and proceduresTrained the Small Business Credit Solutions team on Credit, Operational and Reputational Risks Management

Certified the Canadian Bank maintains its AIRB status for Retail and Small Businesses by complying with the relevant Basel standards

Provided feedback on the business strategy to generate income during the FY 2023Organized charitable activities, including a golf tournament, during the fiscal year 2023