45 years of experience as senior executive within the Scandinavianfinancial sector. Since 2003 Head of Credit in Denmark and from 2012 Nordic Head of Credit with overall credit responsibility for Nordea’s entire retail portfolio and management responsibility for 180 people across 4 countries. Long standing track record in the financial sector combined with many years of executive management experience have materialized a broad set of personal and professional key competences: a) Deep knowledge of financial and capital markets and financial products b) Solid experience with leverage finance and transaction structuring c) Substantial experience with handling restructuring and recovery cases d) Deep understanding of credit assessing and complex financial analysis e) Understanding of general business model dynamics and governance structures f) People leadership and organisational development g) Large knowledge of the real estate market achieved through Board Member function in Nordea Kredit h) Knowledge within capital- and impairment models as well as being part of implementing Basel II and later Basel III within the Nordea organisation.