Anders Gullberg Email & Phone Number

Stockholm County, Sweden

Corporate Analysis is part of Group Credit at Swedbank HQ in Sundbyberg. The group consists of credit specialists with financial analysis and rating expertise. We oversee and manage the credit rating process, the expert credit model, and financial analysis of Swedbank's largest Corporate customers, in order to make sure the bank is well equipped to manage risks.Me and my group give second opinions on risk classifications/ratings of the banks largest corporate credit exposures. We also provide client/analyst teams & internal stakeholders with industry and credit related insights. I provide sector analysis and Industry rating for the IT sector in the Nordics. Given my long background within Credit functions, I also manage a sector called Other services, that regards counterparties within industries that are outside our limited set of defined industries. This sector is the 2nd largest category in terms of number of counterparties.

Solna, Stockholm, Sweden

DFS offer financing solutions (mainly loans & leases) to Dell’s current and potential corporate customers. They operate through a bank license in Ireland• Overall responsibility for the Nordic credit team and Dell’s portfolio of credits in the Nordic region • Excellent track record in terms of keeping losses minimal, whilst allowing strong portfolio growth• Assessing and evaluating customer credit risk through in-depth business and financial analysis. Ensuring financial and operational risks are mitigated, and appropriate credit limits set• Initiating and implementing continuous credit process improvement to meet key operational business needs of acceptable turnaround times and high productivity whilst maintaining business controls within appropriate credit standards• Frequently interfacing directly with customers to resolve credit related issues, including on-site visits• Providing assistance and advice, and where necessary negotiate with high-risk customers on deal structuring in order to maximize the commercial opportunity without compromising credit quality standards• Acting as main local source of competence/expertise• Overseeing defaults, bankruptcies and recovery activities• Compliance champion of the Nordics

Stockholm, Sweden

CIT is a US based global finance company. In Sweden they had bank licence, and financed various types of equipment in Scandinavia. Main products were loans and leases, and with main focus on IT and Telecom equipment • Focal point and ambassador for the Nordic region towards stakeholders, with full responsibility for the Nordic credit team and all phases of credit activities within the region• Assessing and evaluating customer credit risk through in-depth business and financial analysis. Ensuring risks being mitigated, and appropriate credit limits set• Initiating and implementing continuous credit process improvement to key operational business needs of acceptable turnaround times and high productivity whilst maintaining business controls within appropriate credit standards• Excellent track record in terms of keeping losses minimal, whilst allowing strong growth in portfolio• Frequently interfacing with customers to resolve credit related issues, including on-site visits• Providing assistance and advice, and where necessary negotiate with high-risk customers on deal structures in order to maximize the commercial opportunity without compromising credit quality standards• Overseeing defaults, bankruptcies and recovery activities• Given responsibility for the majority of the largest and most important global credit lines of the European CIT operations • Anti Money Laundering Officer (AMLO) for all Scandinavian countries• Data Protection Manager, for all Scandinavian countries

Stockholm, Sweden

• Assessing and evaluating customer credit risk through in-depth business and financial analysis. Ensuring risks being appropriately mitigated, and credit limits set• Reviewing and approving/declining credit proposals within set credit authority, or present for credit decision to the next level of credit authority• Performed Due diligence activities in acquisition phase• I was promoted from Credit Analyst to Senior Credit Analyst in 2008

Stockholm, Sweden

Nordisk Film is the largest entity in Sweden that is part of the Egmont Group - the leading developer, producer and distributor of movies, games and music in the Nordics • Team leader• Responsible for monthly, quarterly and annual reporting• Managing budgets and forecasts, in addition to managing troubled accounts• Main contributor of various analytical assessments and reports to senior Management/HQ Denmark

Stockholm, Sweden

Ericsson Credit AB is responsible for handling all credits and credit risk exposure arising from financing that has been granted to Ericsson’s customers• Responsible for management of a number of large and complex financial contracts with Ericsson customers/international telecom operators. As I am fluent in Spanish I was mainly responsible for telecom operators located in Spain and Latin America• Managing disbursements, repayments, and situations with covenants, amendment requests and waivers. Managing renegotiations of terms• Representing Ericsson Credit in all contact with stakeholders (internal as well as customers, syndication partners, financial institutions etc.) • Monitoring and performing financial analysis on the customers. Ericsson then based its risk provisioning upon these in depth assessments

Master, International Corporate Finance

Activities and Societies: Master dissertation: Real options – Evaluating investment opportunities Bachelor level: Strategies & management.

Nivel Superior, Language & Culture Studies.