Our Team

HIC is governed by affordable housing experts that also bring expertise in management, corporate law, capital financing, development and more.


HIC Board


Shayne Ramsay, Board Chair & President

Mr. Ramsay has been the Chief Executive Officer of BC Housing since May 2000. Mr. Ramsay was responsible for setting up the Homeowner Protection Office in 1998 and also served as its first Chief Executive Officer. Previously, Mr. Ramsay was Director of Development Services for BC Housing, and Director of Housing Policy and Program Development with the former Ministry of Municipal Affairs and Housing in British Columbia.

Mr. Ramsay serves as chair of the board of directors of the Crown Corporation – Employer’s Association, an agency that represents human resource issues for the provincial crown corporations in British Columbia. He is also chair of the board of directors of Housing Partnership Canada, a peer network and business collaboration of social housing leaders committed to innovation and transformation. Mr. Ramsay has a graduate degree in urban planning from the University of Toronto.


Howie Wong, Director & General Manager

Mr. Wong has been Chief Executive Officer of Housing Services Corporation since 2013. Previously, Mr. Wong has served as HSC’s Chief Operating Officer and as General Counsel and Corporate Secretary of Toronto Community Housing Corporation (TCHC), Canada’s largest landlord with over 165,000 tenants and a $6 billion housing portfolio. At TCHC Mr. Wong provided oversight to TCHC’s $450 million public bond offering program and $350 million corporate debt program; and the establishment of several high-impact joint ventures and public-private partnerships.

Prior to joining TCHC, Mr. Wong practiced business law at a predecessor of Gowling WLG (Canada) LLP for over 18 years. He serves on the boards of HSC Insurance and Encasa Financial Inc.


Carolyn Ryan, Director

Ms. Ryan has been with the Province of Manitoba since 1999, and has spent most of her career in MHRC. She currently serves as the Acting Chief Operating Officer, where she is responsible for an operating budget in excess of $200 million and a housing portfolio valued at $3.2 billion. Prior to becoming the Chief Operating Officer, Ms. Ryan oversaw the Housing Delivery division, where she was responsible for a five year capital program that resulted in $300 million in new construction followed by the Portfolio Management division, which included almost 20,000 housing units operated by non-profit and for-profit housing providers.

Ms. Ryan is also the provincial lead for addressing homelessness, and sits on the Board of End Homelessness Winnipeg, a local non-profit organization. She holds both a Bachelor of Arts (Economics) degree and a graduate degree in Social Work from the University of Manitoba and is a chartered member of the Chartered Institute of Housing.



Ms. Woodgate has held the dual role of President of Calgary Housing Company and Director of Calgary Housing for The City of Calgary since 2015. Calgary Housing Company provides homes to 25,000 people every day including 10,000 children.

Ms. Woodgate has over 20 years’ experience in community development, affordable housing, urban planning, real estate, governance and land development. Ms. Woodgate was recognized as a top 40 under 40 in 2014 by Avenue Magazine, is a member of the Community Housing Affordability Collective, and holds a Masters Certificate in Municipal Leadership from the Schulich School of Business at York University. Ms. Woodgate is a Chartered Institute of Housing Chartered Member, a Professional Accredited Member of the Canadian Institute of Planners, and is currently a director on the board of Housing Partnership Canada.



Ms. Hine has been the President of Yukon Housing Corporation since September 2012. Prior to being appointed President of Yukon Housing Corporation, Ms. Hine served as Deputy Minister of Education for the Government of Yukon, Deputy Minister of Community and Government Services for the Government of Nunavut, Deputy Minister of Education for the Government of Nunavut and President of Nunavut Housing Corporation.

Ms. Hine serves on the board of directors for Canadian Housing Renewal Association and Rooftops Canada/Abri International and received the Queen Elizabeth II Diamond Jubilee Medal in 2012 for her work with Habitat for Humanity Canada in Canada’s North.

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Joshua Broadhead, Chief Underwriter

As Chief Underwriter, Joshua Broadhead is responsible for the implementation of underwriting policy and underlying framework for HIC; completing the underwriting and due diligence for properties; and managing the organization’s development pipeline.

Previously, Mr. Broadhead worked as Development Manager at BC Housing, where he oversaw a diverse portfolio of social housing development projects from initiation to occupancy; working directly with housing providers and other stakeholders including government ministries and municipalities in BC’s Lower Mainland to achieve desired project objectives.

Prior to this, he worked at a private fund manager and CMHC in various underwriting and financial capacities. Mr. Broadhead holds a bachelor’s degree in Business Law and Business Economics from the University of Alberta and received Certification in Real Estate Finance in 2011.  He is also a Licensed Mortgage Broker in the Province of BC.

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Alfred Chuang, chief financial officer

Mr. Chuang is the Chief Financial Officer of HIC and is responsible for finance, operations and risk functions, including valuations and loan portfolio management. He has led global teams in areas of investment and corporate finance, investment structuring, reporting and analytics for alternative investments, including private equity, infrastructure, funds and private debt portfolios. His previous tenures include two large Canadian pension plans and a big four accounting firm. Mr. Chuang has also served on several for-profit and charitable boards.

Mr. Chuang is a Chartered Professional Accountant, Chartered Accountant, Chartered Business Valuator, Certified Public Accountant (Colorado), and a Certified Fraud Examiner.

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Terry Kozak, Senior Underwriter

Terry Kozak’s career in the housing industry has spanned over 30 years working for both Manitoba Housing and Canada Mortgage and Housing Corporation (CMHC). He has been involved in a wide variety of aspects in the housing sector ranging from market analysis, social housing delivery, underwriting and strategic policy development.  These unique skill sets allows him to work with non-profit groups in the development stages of affordable housing initiatives.