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Manfred Seper is a seasoned finance professional with extensive experience in corporate credit and client advisory roles. Currently serving as Senior Director at Oesterreichische Kontrollbank AG since September 2009, Manfred leads a team responsible for financing, guarantees, and securities for clients in Upper Austria and the surrounding regions. Prior to this role, Manfred held positions as Director and Senior Account Manager at OeKB, focusing on financing and risk management for clients in Austria. Manfred's earlier experience includes serving as a Corporate Credit Analyst at Raiffeisen Zentralbank Österreich AG and as a trainee auditor at TPA Control GmbH. Manfred's academic background includes a Doctorate in Social and Economic Sciences with a focus on Corporate Accounting and Auditing from WU (Vienna University of Economics and Business).