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Joanna Nicolaou is a seasoned finance professional with over two decades of experience in credit analysis and portfolio management, currently serving as a Senior Analyst at Aegon Asset Management since June 2023. Previously, Joanna held the position of Associate Director at NIBC Bank Northwesterly CLO Funds from October 2015 to June 2023, focusing on the investment and management of a portfolio of leveraged loans and high-yield bonds, particularly in the retail, FMCG, and telecommunications sectors. Prior roles include Vice President at NIBC Bank, where Joanna managed leveraged loan portfolios, and AVP at MUFG, responsible for European leveraged loans. Joanna's career began as a Graduate Trainee Credit Officer at the Bank of Cyprus UK. Academic credentials include a BA in Accountancy from Lincoln International Business School and studies at the University of Utah.