Credit Trends Nordics
The world is yet again in transition. What will drive credit dynamics in 2022 and beyond? Explore insights from our forward-looking credit outlooks and discover what trends will have the most impact across sectors in the Nordics as we transition to the next phase of the global recovery.
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Agenda14:05 - 14:35CET14:35 - 14:45CET15:00 - 15:30CET
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SpeakersJeanette Jäger CEO Enento Group
Marie Elvesol Associate Managing Director - Global Head of Investor Management & Country Manager Sweden Moody's Investors Service
Sarah Carlson Senior Vice President, Sovereign Risk Moody's Investors Service
Maria Gillholm Vice President - Senior Credit Officer, Corporate Finance Moody's Investors Service
Louise Welin Vice President - Senior Credit Officer, EMEA Banking Moody's Investors Service
Niclas Boheman Vice President - Senior Analyst, EMEA Banking Moody's Investors Service
Jorge Rodriguez-Valez Senior Vice President, Credit Strategy & Research Moody's Investors Service
Daniel Harlid Vice President - Senior Analyst, Corporate Finance Moody's Investors Service
Mattias Frithiof Assistant Vice President - Analyst, EMEA Banking Moody's Investors Service
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Marie Elvesol is the global Head of Investor Management and part of the Commercial team, and also Country Manager and Director of the Nordic subsidiary, Moody’s Investors Service (Nordics AB). Marie leads a team of senior professionals focused on deepening our relationships with senior investors around the world. Marie drives strategic alignment and collaboration with Ratings & Research and Global Strategy & Research with the goal of nurturing and growing our strategic investor relationships, diversifying our sphere of influence and expanding our investor footprint and market voice.
Marie joined MIS Commercial in 2016 and was instrumental in setting up our office in Stockholm, Sweden. Combined with her Country Manager role, she previously served as Sub Regional Head for the Nordics in the EMEA Relationship Management team and have held leadership positions with Nasdaq and Nordic banks with experience from working closely with issuers and capital market stakeholders through her roles during her career. As a seasoned manager, Marie has proven experience in leading diverse teams and working with multiple stakeholders in global organisations.
Marie has been an ambassador in CSR initiatives and she has worked in was selected as a member in Moody’s FinTech and Innovation Programme with Cornell University. Marie holds an Executive MBA in Management, Strategy and Finance.
Sarah has been the lead analyst for most countries in the European Union, and is also a former lead analyst for the United States. She is currently the lead analyst for France and Italy, among other European countries. She is also one of the Sovereign Risk Group’s global spokespeople.
She joined Moody’s in 2009 after completing a Sloan Fellowship at the London Business School. Prior to this academic sabbatical, she spent seven years at the Financial Services Authority in London where she headed the regulator’s Risk Analysis area and acted as its chief macroeconomist. Before joining the FSA, she worked in Dun & Bradstreet’s Economic Analysis Group for six years, where she was the organisation’s Deputy Chief Economist.
She holds an MA in European Studies (with a concentration in Economics and Finance) from the Elliott School of International Affairs at the George Washington University in Washington, DC and an AB with a double major in Government and History from Dartmouth College in Hanover, New Hampshire in the United States. She is a CFA Charterholder and is co-chair of the Macroeconomic Committee of the CFA Society France. She is a dual citizen of the United Kingdom and the United States and is based in Paris.
Louise joined Moody’s in November 2016 and is the lead analyst for most large Nordic banks.
Prior to joining Moody’s, Louise spent nine years at Standard & Poor’s. She initially worked as a senior credit analyst in the Sovereign and International Public Finance Group, and thereafter in the Financial Institutions Group - during the global financial crisis. The last 4 ½ years at S&P, Louise headed up the rating agency’s Banking Industry Country Risk Assessments (BICRAs), the key element of bank ratings, globally.
Prior to working at Standard & Poor’s, Louise spent ten years at the European Commission in Brussels, primarily working with macroeconomic forecasts and analysis at the Directorate General for Economic and Financial Affairs (DG ECFIN), and a couple of years working with EU affairs at the Swedish Ministry of Finance and Central Bank. Louise holds a Master of Science in Business Administration and Economics from Uppsala University.
Jorge Rodriguez-Valez is a Senior Vice President in Moody’s Credit Strategy & Research team in London. Since he joined Moody’s in 2014, he leads the Financial Analytics team, developing quantitative forward-looking analyses of sectors and institutions, including modelling asset quality trends and stress testing.
Prior to joining Moody’s in 2014, Jorge worked as a macroeconomist responsible for forecasting and scenario analysis, and as a university lecturer in macroeconomics and econometrics.
Jorge is a PhD in Econometrics and holds degrees in Economics and in Business.
Marie Elvesol is the global Head of Investor Management and part of the Commercial team, and also Country Manager and Director of the Nordic subsidiary, Moody’s Investors Service (Nordics AB). Marie leads a team of senior professionals focused on deepening our relationships with senior investors around the world. Marie drives strategic alignment and collaboration with Ratings & Research and Global Strategy & Research with the goal of nurturing and growing our strategic investor relationships, diversifying our sphere of influence and expanding our investor footprint and market voice.
Marie joined MIS Commercial in 2016 and was instrumental in setting up our office in Stockholm, Sweden. Combined with her Country Manager role, she previously served as Sub Regional Head for the Nordics in the EMEA Relationship Management team and have held leadership positions with Nasdaq and Nordic banks with experience from working closely with issuers and capital market stakeholders through her roles during her career. As a seasoned manager, Marie has proven experience in leading diverse teams and working with multiple stakeholders in global organisations.
Marie has been an ambassador in CSR initiatives and she has worked in was selected as a member in Moody’s FinTech and Innovation Programme with Cornell University. Marie holds an Executive MBA in Management, Strategy and Finance.
Jeanette Jäger was appointed Enento Group Plc’s CEO and member of the Executive Management Team. She
started in her position on 1 January 2022.
Jeanette Jäger has strong experience in the Nordic banking and finance sector in leadership, ICT, Finance and
Sales & Marketing positions. Since 2016 she has worked in the Swedish company Bankgirot, first as VP Digital
Services and from 2017 as CEO of Bankgirot. Previously she has acted in different management positions in Tieto
and TDC Communication.
Further she acts as Board member of the Telia Company AB.
Jeanette Jäger was appointed Enento Group Plc’s CEO and member of the Executive Management Team. She
started in her position on 1 January 2022.
Jeanette Jäger has strong experience in the Nordic banking and finance sector in leadership, ICT, Finance and
Sales & Marketing positions. Since 2016 she has worked in the Swedish company Bankgirot, first as VP Digital
Services and from 2017 as CEO of Bankgirot. Previously she has acted in different management positions in Tieto
and TDC Communication.
Further she acts as Board member of the Telia Company AB.
| Maria Gillholm is a Vice President -Senior Credit Officer in the Corporate Finance team and has worked with Moody’s in Sweden since March 2017. She is the lead analyst for Nordic real estate issuers. Maria has 22 years experience of corporate credit ratings and financial analysis but overall 26 years of work experience. Before joining Moody’s, she was a Senior Credit Analyst at Swedbank, where she managed a Swedish/Finnish real estate portfolio of more than 20 companies. She has also held credit analyst positions at Standard & Poor’s, Danske Bank and Swedish Export Guarantees Board. Maria has covered several industries, but has predominantly dealt with companies in the real estate sector. She holds a Master of Science degree in Business Administration and Economics from Lunds University, Sweden. |
Mattias Frithiof is an Assistant Vice President –Analyst in the EMEA Banking group, based in Stockholm. He is Moody’s lead analyst on a number of financial institutions in the Nordics and Baltics.
Mr Frithiof has 15 years of experience from working with credit ratings and financial analysis. Prior to joining Moody’s in 2020, Mr Frithiof was a senior credit nnalyst at Swedbank debt capital markets where he managed a portfolio of Nordic financial institutions. He has also worked as an investor relations officer at Swedbank. Mr Frithiof started his career as an Associate Analyst at Moody’s during the global financial crisis.
Mr Frithiof holds a degree of Master of Science in Business Administration and Economics from the Stockholm School of Economics.
Niclas Boheman, based in Stockholm, is Moody’s lead analyst on a number of financial institutions in the Nordics and Baltics. He also focuses on innovation and digitalisation trends in financial services in Europe.
Prior to joining Moody’s in 2016, Mr Boheman was a credit analyst in the Financial Institutions Group at Svenska Handelsbanken, Stockholm. Mr Boheman holds a Degree of Master of Science (One Year) in International Economics from the School of Economics and Management, Lund University.
| Daniel Harlid is a Vice President – Senior Analyst in the EMEA Corporate Finance Group based in Stockholm, Sweden. He is managing a portfolio of Nordic investment grade high yield names in the Manufacturing Sector. Additionally, he is the lead analyst for EU-based issuers within Container Shipping. Daniel joined Moody’s in 2017. Prior to this, he was a portfolio manager at Cicero Fonder managing funds with both investment grade and high yield mandates. Daniel started his career as an equity analyst for Handelsbanken Capital Markets. |
Marie Elvesol is the global Head of Investor Management and part of the Commercial team, and also Country Manager and Director of the Nordic subsidiary, Moody’s Investors Service (Nordics AB). Marie leads a team of senior professionals focused on deepening our relationships with senior investors around the world. Marie drives strategic alignment and collaboration with Ratings & Research and Global Strategy & Research with the goal of nurturing and growing our strategic investor relationships, diversifying our sphere of influence and expanding our investor footprint and market voice.
Marie joined MIS Commercial in 2016 and was instrumental in setting up our office in Stockholm, Sweden. Combined with her Country Manager role, she previously served as Sub Regional Head for the Nordics in the EMEA Relationship Management team and have held leadership positions with Nasdaq and Nordic banks with experience from working closely with issuers and capital market stakeholders through her roles during her career. As a seasoned manager, Marie has proven experience in leading diverse teams and working with multiple stakeholders in global organisations.
Marie has been an ambassador in CSR initiatives and she has worked in was selected as a member in Moody’s FinTech and Innovation Programme with Cornell University. Marie holds an Executive MBA in Management, Strategy and Finance.
Jeanette Jäger was appointed Enento Group Plc’s CEO and member of the Executive Management Team. She
started in her position on 1 January 2022.
Jeanette Jäger has strong experience in the Nordic banking and finance sector in leadership, ICT, Finance and
Sales & Marketing positions. Since 2016 she has worked in the Swedish company Bankgirot, first as VP Digital
Services and from 2017 as CEO of Bankgirot. Previously she has acted in different management positions in Tieto
and TDC Communication.
Further she acts as Board member of the Telia Company AB.
Marie Elvesol is the global Head of Investor Management and part of the Commercial team, and also Country Manager and Director of the Nordic subsidiary, Moody’s Investors Service (Nordics AB). Marie leads a team of senior professionals focused on deepening our relationships with senior investors around the world. Marie drives strategic alignment and collaboration with Ratings & Research and Global Strategy & Research with the goal of nurturing and growing our strategic investor relationships, diversifying our sphere of influence and expanding our investor footprint and market voice.
Marie joined MIS Commercial in 2016 and was instrumental in setting up our office in Stockholm, Sweden. Combined with her Country Manager role, she previously served as Sub Regional Head for the Nordics in the EMEA Relationship Management team and have held leadership positions with Nasdaq and Nordic banks with experience from working closely with issuers and capital market stakeholders through her roles during her career. As a seasoned manager, Marie has proven experience in leading diverse teams and working with multiple stakeholders in global organisations.
Marie has been an ambassador in CSR initiatives and she has worked in was selected as a member in Moody’s FinTech and Innovation Programme with Cornell University. Marie holds an Executive MBA in Management, Strategy and Finance.
Sarah has been the lead analyst for most countries in the European Union, and is also a former lead analyst for the United States. She is currently the lead analyst for France and Italy, among other European countries. She is also one of the Sovereign Risk Group’s global spokespeople.
She joined Moody’s in 2009 after completing a Sloan Fellowship at the London Business School. Prior to this academic sabbatical, she spent seven years at the Financial Services Authority in London where she headed the regulator’s Risk Analysis area and acted as its chief macroeconomist. Before joining the FSA, she worked in Dun & Bradstreet’s Economic Analysis Group for six years, where she was the organisation’s Deputy Chief Economist.
She holds an MA in European Studies (with a concentration in Economics and Finance) from the Elliott School of International Affairs at the George Washington University in Washington, DC and an AB with a double major in Government and History from Dartmouth College in Hanover, New Hampshire in the United States. She is a CFA Charterholder and is co-chair of the Macroeconomic Committee of the CFA Society France. She is a dual citizen of the United Kingdom and the United States and is based in Paris.
| Maria Gillholm is a Vice President -Senior Credit Officer in the Corporate Finance team and has worked with Moody’s in Sweden since March 2017. She is the lead analyst for Nordic real estate issuers. Maria has 22 years experience of corporate credit ratings and financial analysis but overall 26 years of work experience. Before joining Moody’s, she was a Senior Credit Analyst at Swedbank, where she managed a Swedish/Finnish real estate portfolio of more than 20 companies. She has also held credit analyst positions at Standard & Poor’s, Danske Bank and Swedish Export Guarantees Board. Maria has covered several industries, but has predominantly dealt with companies in the real estate sector. She holds a Master of Science degree in Business Administration and Economics from Lunds University, Sweden. |
Louise joined Moody’s in November 2016 and is the lead analyst for most large Nordic banks.
Prior to joining Moody’s, Louise spent nine years at Standard & Poor’s. She initially worked as a senior credit analyst in the Sovereign and International Public Finance Group, and thereafter in the Financial Institutions Group - during the global financial crisis. The last 4 ½ years at S&P, Louise headed up the rating agency’s Banking Industry Country Risk Assessments (BICRAs), the key element of bank ratings, globally.
Prior to working at Standard & Poor’s, Louise spent ten years at the European Commission in Brussels, primarily working with macroeconomic forecasts and analysis at the Directorate General for Economic and Financial Affairs (DG ECFIN), and a couple of years working with EU affairs at the Swedish Ministry of Finance and Central Bank. Louise holds a Master of Science in Business Administration and Economics from Uppsala University.
Niclas Boheman, based in Stockholm, is Moody’s lead analyst on a number of financial institutions in the Nordics and Baltics. He also focuses on innovation and digitalisation trends in financial services in Europe.
Prior to joining Moody’s in 2016, Mr Boheman was a credit analyst in the Financial Institutions Group at Svenska Handelsbanken, Stockholm. Mr Boheman holds a Degree of Master of Science (One Year) in International Economics from the School of Economics and Management, Lund University.
Jorge Rodriguez-Valez is a Senior Vice President in Moody’s Credit Strategy & Research team in London. Since he joined Moody’s in 2014, he leads the Financial Analytics team, developing quantitative forward-looking analyses of sectors and institutions, including modelling asset quality trends and stress testing.
Prior to joining Moody’s in 2014, Jorge worked as a macroeconomist responsible for forecasting and scenario analysis, and as a university lecturer in macroeconomics and econometrics.
Jorge is a PhD in Econometrics and holds degrees in Economics and in Business.
| Daniel Harlid is a Vice President – Senior Analyst in the EMEA Corporate Finance Group based in Stockholm, Sweden. He is managing a portfolio of Nordic investment grade high yield names in the Manufacturing Sector. Additionally, he is the lead analyst for EU-based issuers within Container Shipping. Daniel joined Moody’s in 2017. Prior to this, he was a portfolio manager at Cicero Fonder managing funds with both investment grade and high yield mandates. Daniel started his career as an equity analyst for Handelsbanken Capital Markets. |
Mattias Frithiof is an Assistant Vice President –Analyst in the EMEA Banking group, based in Stockholm. He is Moody’s lead analyst on a number of financial institutions in the Nordics and Baltics.
Mr Frithiof has 15 years of experience from working with credit ratings and financial analysis. Prior to joining Moody’s in 2020, Mr Frithiof was a senior credit nnalyst at Swedbank debt capital markets where he managed a portfolio of Nordic financial institutions. He has also worked as an investor relations officer at Swedbank. Mr Frithiof started his career as an Associate Analyst at Moody’s during the global financial crisis.
Mr Frithiof holds a degree of Master of Science in Business Administration and Economics from the Stockholm School of Economics.