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Andrzej Kownacki, CFA is currently working at Deutsche Pfandbriefbank AG since September 2012. Andrzej has held various roles such as Director, Deputy Head Credit Risk CEE & NL, Underwriter USA, Digitalisierung, and Associate Director Real Estate Finance CEE. Prior to this, Andrzej worked at ORIX as a Credit Department Manager and at Deutsche Bank PBC S.A as a Team Manager Credit Risk Department. Andrzej also has experience as a Credit Manager at BZ WBK S.A, Senior Credit Analyst at Raiffeisen Bank, and Customer Manager at Nordea. Andrzej holds a Master's degree in Finance and Banking from SGH Warsaw School of Economics.