Juan Carlos Bonato

* Responsible for the underwriting process, exposure management, collection and debt recovery as well as sovereign risk monitoring in South America (Argentina, Colombia, Chile, Bolivia, Brazil, Ecuador, Falkland Islands, Panama, Paraguay, Uruguay, and Venezuela). * Member of the Business Risk and Compliance Committees. * Ongoing monitoring of the Western Union, Vigo and Orlandi Valuta credit portfolios and exposures ($US 60 MM on daily basis).

* Responsible for the credit underwriting process, exposure management, collection and debt recovery as well as sovereign risk monitoring in Argentina, Bolivia, Chile, Paraguay and Uruguay. * Industry research and forecasting, project finance, financial and cash flow statements analysis. * Responsible for local and international relationships with financial institutions and new financial channels development. * Financial proposals negotiation in commercial agreements (Telmex $US 10 MM - Impsat $US 6 MM – Cl

* Assigning credit limits on my own responsibility up to $US 150,000 (it increased up to $US 300,000 in case of Credit Manager’s absence). * Member of the Trust Committee. * Ongoing monitoring of the portfolio and exposures. * Preparation of presentations and recommendations to the Credit Committee. * Interviewing company managers with regard to taking out loans. * Managing a team composed of five credit risk analysts.

* Detailed analysis across a wide variety of business entities and industries, including local and foreign corporations, Banks, MSMEs and real state projects. * Deal structuring and financial proposals assessment. * Industry research and forecasting, project finance, financial and cash flow statements analysis. * Credit Memoranda preparation. * Collaborating on the credit risk assessment of “Checks I” project – the first Banex´s trust – Investment: $US 30 MM – Fitch’s rating: AAA.

* Teaching Microsoft Office programs and similars at different levels to a wide variety of business employees. * Staffing a Help Desk to deal with enquiries and problems people encounter.