Nicolas A. Kröger Email & Phone Number

Vilnius, Vilniaus, Lithuania

- Changes to terms and conditions in the bank's systems in accordance with applications submitted by CR (customer responsible) colleagues in Sweden on behalf of the bank's clients, e.g. prolongations of loan/credit validity periods with the client's selected conditions, granting of amortization-free periods on existing loans, increasing and decreasing of amortization size on various types of credit products, both with and without collateral, payment periodicity, and amortization plans, closing of loan/credit products, etc. and performance of bookings/transfers in connection thereto, etc. as well as sending messages or letters to clients in relation to the aforementioned changes.- Other administrative tasks related to mortgages, for both private and corporate clients, including the above-described changes and others related specifically to mortgages, such as changes or removal of borrowers or third-party pledgors or sending of notices of delistings of pledges on collaterals to housing tenant associations and other organizations and institutions in Sweden when loans have been redeemed, etc.- Providing invoices and other statements to other teams and employees for different credit products.- Updating information in the bank's systems such as valuation of collaterals, information related to unpaid fees, system comments, removal of employee conditions on loans after the end of their employment, etc.- Aligning on procedures for handling of operational tasks with colleagues within the team and continuous improvement.- Daily communication both within the team and with other teams and departments, including with CR (customer responsible) colleagues in Sweden.- Various other credit-related tasks in support of operations in the Swedish market.https://www.seb.lt/en

Vilnius, Vilniaus, Lithuania

Yara International ASA is listed on the Oslo Stock Exchange and has its headquarters in Oslo. The company has more than 17,000 employees, production sites on six continents, operations in more than 60 countries and sales to about 150 countries.I worked in the Finland and Baltics team located in Vilnius, Lithuania, supporting logistics operations in Finland.https://www.yara.lt/

Vilnius, Lithuania

After fewer than three years of service in various positions and teams in the bank's corporate offices in Vilnius, I received a recommendation for promotion by the Senior Team Lead managing my team, which was thereafter approved by her superiors.In addition to carrying out the duties of an Operations Officer as detailed further below, I have personal responsibility for the following in my team:- Team Risk-related procedures and compliance, such as internal controls in various processes,- Replying to customer messages sent via online banking system in Finnish,- Quality and reporting of errors to Risk Management as well as Upper Management as needed, in addition to,- Support, as well as drafting, translating and updating of standardized training materials in several tasks.

Vilnius, Lithuania

-Loan redemptions and transfers of electronic mortgage deeds/other pledged collaterals connected thereto to other banks via the Finnish Property Transaction Service under the National Land Survey of the Ministry of Agriculture and Forestry, as well as by requesting the sending of physical collateral documents.-Charging fees and contacting other banks in relation to the aforementioned.-Disbursements of new loans and preparation thereof in BPM, e.g. retrieving data on debtors' credit exposure and possible payment defaults, or making loan modifications in connection with them.-Changes to loan terms in the bank's credit system in accordance with applications submitted by the bank's clients, e.g. granting of installment-free periods on existing loans.-Contacting the bank's Finnish clients in relation to the aforementioned operations.-Carrying out mortgage redemptions in connection with sales of real estate properties and housing company shares pledged to the bank as collaterals, transfers of sale proceeds, additional lump sum payments on remaining loans as well as transfers to pledged accounts in complex transactions involving changes of loan collaterals due to concurrent sales and purchases of other properties.-Ordering of housing company share certificates as needed for the execution of ownership transfer in the above-mentioned sales of pledged properties.-Sending loan documents to debtors and third party pledgors via online banking message, e-signing system and encrypted e-mail prior to disbursement of new secured loans, either for the purchase of new real estate property or with existing properties as collateral.-Making changes in the bank's internal collateral system and contacting other teams in relation to customers defaulting on loans and the expiry of collaterals, e.g. sureties with government entities, external insurers, funds or private individuals as guarantors.-Handling real property transactions via the Finnish NLS (land registry) and DIAS systems.

Vilnius, Lithuania

For the Swedish market:- Internal valuation of apartments, condominiums, housing cooperatives, detached homes (e.g. houses), and other real estate properties pledged to the bank as mortgage collaterals based on comparison with historical appraisal values, property condition and sale prices of similar properties in surrounding areas, among other factors.- Communication with other internal departments of the bank in relation to the aforementioned valuations of collateralized properties.- Verification of Deeds of Sale, Power-of-Attorney, and other documents related to the sale of properties pledged to the bank as mortgage collaterals and communication with both internal and external parties such as real estate agents, for example when provided information or documentation is insufficient.- Performing preliminary calculations in connection with the redemption of mortgages and other loans at future dates when pledged collaterals are to be sold, based on multiple variables, e.g. possible early redemption fees of fixed-term loans and other terms of different loan products, whether loans are to be redeemed or reassigned to new collaterals, etc. using the bank's internal systems and Excel, as well as relaying this information to other parties, such as branch advisers and realtors.For the Finnish market:- Providing additional assistance in the transfer of Finnish credit tasks to Danske Bank GSL (Global Services Lithuania), e.g. by translating existing bank SOP's (Standard Operating Procedures) from Finnish into English as well as drafting new such instructions for other tasks.- Miscellaneous lending-related tasks for the Finnish market.- Continuous improvement of processes in accordance with Lean methodology.

Vilnius, Lithuania

- Resolving issues pertaining to inheritance, probate and private settlements for the Finnish clients of Danske Bank.- Verification of legal documents necessary for performing the requests of legal heirs and other beneficiaries to estates, incl. church records, Population Registry extracts, other genealogy records, testamentary wills, Power-of-Attorney, estate inventory deeds, prenuptial agreements, deeds of distribution, District Court decisions on legal guardianship, trustee, estate liquidator or executor appointments, in addition to contacting heirs and their representatives directly, e.g. when provided documents are insufficient, as well as advising other employees in the branch network, Contact Centre and other internal departments on procedure in relation to the aforementioned.- Carrying out requests of heirs and their legal representatives, e.g. providing bank statements or other documents, closing accounts, transferring money, selling shares, funds, book-entry securities/other financial products and/or transferring ownership or control thereof to attorneys, estate liquidators/executors or named PoA for future distribution of estate assets, etc.- Ad hoc drafting of binding agreements and letters to heirs and their legal representatives as needed.- Together with my colleague, I wrote over 200 pages of detailed SOP's (Standard Operating Procedures) in English covering the highly-complex Estate Handling tasks in the Finnish market.- These SOP's were thereafter thoroughly reviewed together with a highly-trained and experienced colleague from the Finnish Estate Handling team in the bank's corporate office in Helsinki, enabling the eventual transfer of the majority of Finnish Estate Handling tasks to Danske Bank GSL (Global Services Lithuania).- I also assisted in training new joiners in the aforementioned tasks.- Lastly, I occasionally worked overtime and assisted other teams in Finnish and Danish estate handling as well as Danish tax reporting.

Vilnius, Lithuania

Founded in 1871, Danske Bank is the largest bank in Denmark and one of the largest financial groups in Northern Europe, with a presence in 16 countries, and over 22,000 employees.It is listed in the Fortune Global 500, with total assets exceeding three trillion DKK and revenues in excess of 40 billion DKK as of the 2016 fiscal year.As a member of the loan specialist team of the bank's internal Help Desk, I supported credit operations for the Finnish market by taking inbound calls and advising other bank employees of all levels of seniority on queries regarding collaterals, mortgages, other loan products as well as related services and systems.https://danskebank.com/about-us/management

Vaasa, Finland

The Vaasa Court of Appeal, a court of the second instance in most civil and criminal matters (with some exceptions, e.g. those related to military personnel and matters of high treason, etc.), is one of five such courts in the Republic of Finland.During my time at the Court, I worked primarily in the Office of the Registrar, where my duties were as follows:• Entering and updating case data in the computerized legal information system,• Answering queries both by phone and e-mail (mostly from attorneys and their clients, judicial officials, or members of the press) with regards to cases both ongoing and resolved, for example whether or not appeals have been made (i.e., without an attorney's knowledge by their client or by the opposing party), or the last judgment given is final (if an appeal has not been filed by the deadline),• Filing paperwork and preparing case files to be sent to the Supreme Court when appeals were made,• Processing returned case files in the event of rejection by the Supreme Court for storage in the Court archives,• Processing requests for judgments and documents relating thereto, i.e. retrieving judgments from storage and documents from the Court archives, scanning them, calculating the invoice amount in the event that a fee would be applicable,• Assisting the informatician in recording discarded lawbooks,• Assisting in preparing a compilation of the written works of a former President of the Court for future publication, as well as• Assisting one of the Court's judicial law clerks by producing several translations of French-language judgments from the European Court of Human Rights.• Lastly, I was granted permission by the President of the Court to authenticate judgments using the Court’s stamp and my signature. An authenticated judgment is necessary in order to proceed with the recovery process and frequently requested by insurance companies and debt collectors.https://oikeus.fi/hovioikeudet/vaasanhovioikeus/fi/index.html

Helsinki, Finland

I contributed in a series of workshops on Intellectual Property Law developed by Mr. Vesa Kantola and Docent of Information Systems Science, Dr. Olli Pitkänen from Aalto School of Economics with funding from both the Nordic Council of Ministers and the Finnish Ministry of Education.The workshops took place in Helsinki and Copenhagen as part of a joint research project of the member universities of the IPR University Center in Helsinki, i.e. University of Helsinki, Aalto University, University of Turku, Hanken School of Economics, University of Eastern Finland and the University of Lapland.Lastly, I also translated an academic publication authored by Dr. Pitkänen himself.https://iprinfo.fi/

Bucharest, Romania

ONV Law is a mid-sized corporate law firm based in Bucharest and one of the oldest law firms in Romania. Its areas of expertise are commercial, corporate, bankruptcy, competition, public procurement and aviation law. The firm has developed a strong network throughout the international legal industry, with membership in Interlaw, the American Bar Association, the Legal Netlink Alliance, as well as the European Air Law Association, and it has affiliations with both the American and French Chambers of Commerce in Romania.As an intern, I worked within the following areas:• Public procurement• EU Law and implementation of Directives• Commercial contracts• Real estate and• Corporate lawMy work covered topics such as lease-buyback agreements, triple net leases and related negotiations, in addition to statutory requirements for shareholder capital and director liability.http://www.onvlaw.ro/

Valletta, Malta

Chetcuti-Cauchi Advocates is a mid-sized law firm offering expert legal advisory services primarily to corporate clients and HNWI's. It is part of Chetcuti-Cauchi Group, a multinational company with branches in Malta, Cyprus, Zurich, Hong Kong and London. The firm is listed as one of the top law firms in Malta recommended by the Legal 500, the world's foremost ranking service for law firms and legal practitioners.During my time as an intern in the Marketing Department of the firm, I was responsible for the following tasks:• Assisting in database inputting,• Preparing templates for internal company use,• Research and inputting of conference/publication offers,• Preparation of online competitors’ analysis,• Analysis of website ranking performance, and• Providing weekly summaries.http://www.cc-advocates.com/our-people/partners.htm

Greater Los Angeles Area

• Uploading content to websites using tools such as WordPress.• Editing and resizing images.• Creating website wireframes using Hotgloo.• Designing surveys using surveygizmo.• Assisting in online marketing using Hubspot and social media platforms.https://www.dburnsdesign.com/

Legal Studies

Activities and Societies: ELSA (European Law Students' Association), Erasmus+, and Student Union of the University of Eastern Finland. I.

Legal Studies

Activities and Societies: ELSA (European Law Students' Association), Nordplus Student Exchange Program. I earned 30 ECTS credits.

Bachelor Of Business Administration - Bba

Activities and Societies: Savonia Student Union (SAVOTTA) member, Erasmus+ Program participant and completed the extra-curricular Kesko.

Finnish Language Studies

Activities and Societies: Began FI language studies in "Kuopion kansalaisopisto" / "Kuopio Adult Education Centre" in September 2010.

High School Diploma, General Upper Secondary Education

Activities and Societies: I was an active participant in several extracurricular programs, e.g. JROTC (Junior Reserve Officers' Training.