Bjorn Birkmann

The PFS Group provides: - Credit Risk Solution and consultancy projects for Banks. - IT (Credit Risk tools from origination, recovery and final REO Management for the banking and servicing Industry. - Legal Bakcoffice and Workout. - Loan File Due Diligence (PL, SPL and NPL). - Servicer Reviews in Portugal, Italy and Spain. - SPPI tests according to IFRS 9. See less

Risk Consultant at Clayton Euro Risk, Bristol, UK. Clayton Euro Risk is a leading independent due diligence provider working with European Lenders, Investors and Servicers to provide unbiased opinions on the quality, management and performance of secured and unsecured loan portfolios, across asset classes and national jurisdictions. The firm specialises in on-site and in-depth reviews of crucial credit cycle processes, including: re-underwriting of loans, property valuations and land registry title.

My scope of work included, analysing, consulting and purchasing distressed mortgages from different banks. My function include to create the necessary structures (lawyers, asset managers…) and to negotiate with banks and investors. Analysing and evaluating the portfolios for the purchase, going through the due diligence process, preparing reports and preparing the final papers for the sales department specializing in the housing market.

Branch Director of a commercial bank focused on developer loans, mortgages, consumer and corporate loans.

Private Banking branch director in Marbella specialised in the non resident sector.

Assistant Director of Private Banking Branch in Marbella in a Joint Venture with Banco Andalucia (Group Banco Popular)

Special Advisor of financial products and Assistant Manager of the branch.