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Ville Makkonen is a seasoned financial professional specialized in credit risk analysis. Currently serving as a Senior Credit Risk Analyst at Kuntarahoitus Oyj - Municipality Finance Plc since June 2018, Ville Makkonen focuses on the internal rating of municipalities and housing sectors while adhering to ECB and EBA regulations. Prior experience includes roles as a Credit Analyst at Pohjola Bank Plc, where Ville Makkonen worked on credit risk analysis for LBO and M&A cases, and positions within the OP-Pohjola Group, including Middle Office Specialist and Analyst in the Hedge Fund Investments team. Ville Makkonen holds a Master of Science in Finance from Helsingin kauppakorkeakoulu and is a Certified Credit Analyst through Aalto University Executive Education and Professional Development.