Thomas Heise Email & Phone Number

Frankfurt, Hessen, Deutschland

*Responsibility for the credit risk of a portfolio of financial institutions and sovereigns in Latin America*Product focus: bonds, loans, derivatives, ECA, trade finance, repos, TRS, PFPs*Management of a team of analysts with a focus on professional guidance and personal development*Credit competence for all rating classes

Frankfurt Am Main, Hessen, Deutschland

*Responsibility for group-wide country risk management*Re-designed group wide country risk management process to one, which is strongly anchored in model & data based decision making*Pioneered establishment of dashboard technology in Commerzbank to ensure maximum up-to-date transparency for all stakeholders*Establishment of various data solutions to increase individual borrower and portfolio transparency, both with regard to exposure figures and balance sheet figures. Significant improvement of sub-processes (e.g. peer group analysis) in terms of time expenditure, timeliness, transparency, consistency and user-friendliness.

Frankfurt Am Main Area, Germany

*Responsibility for a public sector portfolio with a focus on developed markets (sovereigns and subsovereigns, including USA, France), international organizations and emerging markets (worldwide)*Product focus: bonds, loans, derivatives, ECA*Management of a team of analysts with a focus on professional guidance and personal development*Development of tools for data-supported credit decisions and partial automation of credit decision processes using VBA, SQL, Access, Excel and QLIK*Credit competence for all rating classes

*Responsibility for the credit risk of a global portfolio in the public sector, both in developed markets (sovereigns and sub-sovereigns, e.g. USA, France, Italy, Spain), international organizations and emerging markets (especially Africa and Latin America)*Product focus: bonds, loans, derivatives, ECA*Management of a team of analysts with a focus on technical guidance, development and support in the context of the change process regarding the company's wind-down (Eurohypo)*Accompany wind-down of the Entity Eurohypo and portfolio transfer to Commerzbank, including credit, accounting and regulatory issues*Credit competence for all rating classes, including workout commitments

*Portfolio responsibility for (1) US Public Sector, including the cash-flow-based infrastructure financing of the public sector; (2) Structured Finance (European CLO and US Student Loan ABS)*Establishment of portfolio transparency, e.g. through the first-time cash-flow-based assessment of the infrastructure portfolio and on-site due dilligence meetings*Responsibility for the bankruptcy process within the public sector in the USA, including negotiation, mediation, court appointments, recovery modeling and exit (sale) during the bankruptcy process*Credit competence for all rating classes, including workout

*Rating analyst for primary market transactions in various consumer (e.g. auto, consumer credit, mortgages) and corporate (e.g. SME loans) related securitization structures, including: ABCP, ABS, CDO, CLO, covered bonds and RMBS*Analysis includes portfolio credit analysis, cash flow modeling and checking of extensive credit documentation (including trust, derivatives (including ISDA + CSA, DRV), pledge agreements)*Each transaction also required in depths review of underwriting, credit, servicing & workout processes of the respective institutions and asset classes, thus allowing deep insides in consumer finance, residential mortgage financing, leasing and corporate finance*Repeatedly responsibile for the analysis of new transaction structures: Mezzanine CLOs, rating of the first Pfandbrief programs in Sweden and Portugal, rating of initial securitisations in new jurisdictions (Denmark, Finland) or new legal concepts (e.g. securitization of residual value or participation rights)*European Product Expert for CLO of SMEs

Stuttgart

Riskcontrolling:• Development and implementation of market risk and valuation models and related databases required for Basel II• Using C++; Visual Basic; VBA; SQL; Access; ExcelTreasury:• Collaboration for master thesis: "Optimizing bank refinancing strategies using securitization"

Master / Diplom, Mathematical Finance

Mathematics Statistic & Stochastic Business Administration Economics Portfolio & Capital Market Theory

Education record

Activities and Societies: Rowing Team