Jose Mata
Oakville,Canada
Summary
Skilled in risk management with deep expertise in identifying, assessing, and mitigating credit risks. Strong focus on team collaboration for delivering tangible results. Known for adaptability and reliability in dynamic environments, excelling in credit risk analysis and regulatory compliance. Motivated to exceed ambitious standards, skilled in influencing and negotiating with stakeholders. Comfortable with technology and confident in abilities, committed to reaching goals. Natural aptitude for generating creative alternatives and solutions.
Overview
21
21
years of professional experience
Work History
Senior Risk Manager
Roynat Capital
12.2018 - Current
- Adjudicated credit requests applying experience, balance & sound judgement (up to $10MM) and made sounds recommendations over assigned limit level of lending authority
- Established strong partnerships with Directors and Relationship Managers through regular meetings and visits of client proposing alternatives and creative solutions and effective guidance regarding credit requests, quality of submissions and analysis
- Managed complex projects involving multi-disciplinary teams, ensuring timely completion while minimizing exposure to potential risks.
- Successfully created and facilitated credit risk training sessions to the business partners on a national basis, after were identified gaps for new hires
Senior Credit Risk Review Analyst
Manulife Financial
01.2015 - 11.2018
- Regularly reviewed underwriting and credit quality of a representative sample of credit facilities and follow up successfully action plans
- Recommended added value changes to the Policy, Standards, Operational Processes and Procedures
- Participated in audits, ensuring compliance with industry regulations and standards.
Manager - GRM Personal Financial Services
Royal Bank of Canada
06.2013 - 01.2015
- Adjudicated credit requests applying experience, balance & sound judgement (up to $3.5MM)
- Enhanced internal and external customer satisfaction by resolving disputes promptly, maintaining open lines of communication, and ensuring high-quality service delivery.
- Demonstrated effective time management and organizational skills by providing decisions in a timely manner in a high volume, fast paced environment
Commercial Credit Advisor / Analyst
Royal Bank of Canada
05.2008 - 06.2013
- Adjudicated credit requests with balanced and sound judgement within lending authorities ($1MM)
- Completed credit proposals and client’s report analysis with high standards and accuracy and enhanced the quality of the presentation of the credit rating with detailed explanations
- Managed a diverse portfolio of clients from various industries, demonstrating adaptability and versatility in addressing unique credit challenges decreasing expired credits from 27% to 5%
Vice President, Risk
Del Sur Bank, Venezuela
12.2006 - 07.2007
- Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
- Led cross-functional teams for the successful completion of major projects, including KPMG Operational Risk, resulting in increased efficiency and client satisfaction.
- Collaborated with senior management to develop strategic initiatives and long term goals.
Vice President Commercial Banking, Credit Risk Area
Banco de Venezuela – Grupo Santander - Venezuela
02.2004 - 11.2006
- Adjudication of credit proposals of commercial/industrial segment (sales CAD $2MM- $5MM) with delegated lending authorities of CAD 1.5MM
- Leveraged technology to automate workflows and streamline processes, resulting in increased productivity and cost savings across the organization.
- Built high-performance teams through effective leadership focused excellence alignment coupled with ongoing performance management processes.
Education
Master in Business Administration -
INCAE Business School
Skills
- Credit risk assessment expert
- Problem-solving
- Attention to detail
- Reliability
- Active listening
- Relationship building
- Risk reporting
- Team building
Awards
- Member of the Credit Institute of Canada, Toronto Chapter.
- Recognition due to successful development of a Credit Risk culture (Del Sur Bank 2005).
- Received outstanding assessment as a facilitator in Credit Risk courses (Banco de Venezuela 2004).
- RBC Performance recognitions (2009 and 2010).
- Gold Performance Recognition Q2 -2011 at RBC & Team Work Performance Q3- 2012.
- Recognition about credit courses facilitated at Roynat / Scotiabank and launch on a national basis (2023).
- Best of Best Top Individual Performance (2023).
Languages
Spanish
Native or Bilingual
Timeline
Senior Risk Manager
Roynat Capital
12.2018 - Current
Senior Credit Risk Review Analyst
Manulife Financial
01.2015 - 11.2018
Manager - GRM Personal Financial Services
Royal Bank of Canada
06.2013 - 01.2015
Commercial Credit Advisor / Analyst
Royal Bank of Canada
05.2008 - 06.2013
Vice President, Risk
Del Sur Bank, Venezuela
12.2006 - 07.2007
Vice President Commercial Banking, Credit Risk Area
Banco de Venezuela – Grupo Santander - Venezuela
02.2004 - 11.2006
Master in Business Administration -
INCAE Business School
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