Keith Lam, CPA, CA, CFA

• Led specialty finance originations focused on asset-based credit facilities, forward flow structures, discrete portfolio purchases, as well as equity investments in origination platforms. • Sourced and underwrote 150+ specialty finance opportunities annually (~$4.0B+), advancing a select subset to the Investment Committee while declining transactions that failed to meet return, structural, or downside protection thresholds. • Acted as first-line investment gatekeeper, shaping portfolio construction through disciplined screening, structuring recommendations, and risk prioritization across complex asset classes. • Served as primary commercial counterparty negotiating economics, advance rates, covenants, and downside protections from initial indication through Investment Committee approval. • Prepared investment memos and presented recommendations to both the specialty finance committee and global credit committee. • Sourced and contributed to underwriting Mount Logan Capital’s $100M+ acquisition of specialty finance and asset-based lending assets from the Yieldstreet Alternative Income Fund. • Asset classes include home improvement, receivables factoring, unsecured consumer loans, dental/healthcare financing, rent/lease-to-own, manufactured housing, merchant cash advance, equipment finance, litigation finance, premium finance, and others.

The American Dental Association ("ADA") is the nation's largest dental association representing 160K+ dentist members. The premier source of oral health information, the ADA has advocated for the public's health and promoted the art and science of dentistry since 1859. · Member of Financial Services Committee tasked with researching, designing, and building the ADA Credit Union to support the financial needs of ADA member dentists, their teams, dental students, ADA staff, and their extended families. · Actively involved in obtaining a credit union charter as well as the selection of launch vendors/partners · The ADA Credit Union was officially launched in October 2025 in conjunction with BCU, a member-owned and award-winning credit union.

· Oversee key functional areas including accounting/finance, funding, loan underwriting, processing, and titling. · Involved with all corporate development and growth initiatives including acquisitions, introduction of loan servicing capabilities, geographic expansion, launch of new loan products and processes, and development of floorplan capability to dealer network.

· Accountable for ECN’s investment in Service Finance Company LLC (“SFC”), ECN’s largest operating subsidiary and a leading originator of home improvement loans across the US. · ECN sold SFC to Truist Bank in December 2021 for US$2B, realizing a total return on ECN’s original investment of $1.7B or a CAGR of 60%. · Designed and scaled multiple high-impact funding programs including Dealer Advance, Progress Pay, Complementary Flow, Direct Marketing, Solar, and Turndown. · Under ECN’s ownership, SFC’s LTM originations grew from $726M to $2.3B or a CAGR of 34%, and servicing assets grew from $992M to $3.6B or a CAGR of 38%. · Led due diligence and integration of ECN’s $90M investment in Source One Financial Services and $75M investment in Intercoastal Financial Group, two of the largest RV & Marine origination platforms in the US. · Drove all ECN corporate development and investor relations activities.

· Responsible for ~C$1.1B of Balanced and All Cap Value mandates, and managed investment decisions across all sectors primarily focused on Canadian-traded securities. · Portfolios outperformed benchmark total return by an average of 176 bps per year. · Instrumental in the increased use of derivatives and non-equity securities within all equity mandates to improve portfolio returns, optimize risk/reward, hedge, and enhance portfolio yield.

· Managed all investment decisions within the financial services, technology, real estate, and consumer product sectors in North America, in both public and private markets covering a variety of market caps. · Responsible for all unitholder, financial and regulatory reporting activities including net asset value preparation, fund performance analysis, financial statement audit, and maintenance of regulatory working capital requirements.

· Managed all trading strategies within the financial services and technology sectors

· Performed thorough due diligence, constructed financial models, and prepared detailed valuation reports/research comments