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Josef Schirra has a diverse and extensive background in the banking industry, with experience ranging from loan officer to senior credit risk manager. Josef has worked for notable institutions such as Hamburg Commercial Bank, Dresdner Bank Luxembourg, and Bayerische Hypotheken- und Wechsel-Bank AG. Josef holds a degree in Applied Economics from Universität Trier and a Bankkaufmann degree from Sparkasse Trier. Currently, Josef serves as a Senior Credit Risk Manager at Hamburg Commercial Bank.