COO @ From September 2015 to Present (4 months) Stockholm, SwedenHead of Products @ Starting after Season vacations, january 19th 2015. From December 2014 to Present (1 year 1 month) Stockholm, SwedenBusiness Project Manager Financial reporting project @ From September 2014 to December 2014 (4 months) Head of Group Lending @ From January 2013 to August 2014 (1 year 8 months) Stockholm, SwedenHead of Credit, Retail @ From September 2011 to January 2013 (1 year 5 months) Head of Group Credit Reporting and Credit Portfolio Management @ We are setting up a new function to set targets and analyse credits from a portfolio perspective. From October 2010 to September 2011 (1 year) Regional credit manager, Stockholm region @ From February 2008 to February 2010 (2 years 1 month) Stockholm County, SwedenHead of Basic Banking, Private Retail Banking @ Head of division containing debit cards, credit vcards, consumer lending, non life insurance From November 2005 to February 2008 (2 years 4 months) Stockholm, SwedenHead of Private Market @ Head of division in charge of offerings and marketing towards all private retail clients From August 2003 to November 2005 (2 years 4 months) Stockholm, Sweden

economics @ Stockholm School of Economics From 1981 to 1985 Johanna Cerwall is skilled in: Credit Risk, Portfolio Management, Loans, Credit, Banking, Retail Banking, Credit Analysis, Financial Risk, Financial Markets, Capital Markets, Risk Management, Investment Banking, Operational Risk, Basel II, Change Management