About the author — N. Frik

International banking experience and editorial responsibility

N. Frik has more than 25 years of professional experience in international banking, business finance, credit-risk analysis and relationships with financial institutions.

His roles have included Managing Director and Head of Financial Institutions, with professional experience in European, African, Middle Eastern and Asian markets.

This banking background provides a basis for explaining credit mechanisms, affordability assessment, security, debt risks and the differences between conventional finance and simplified procedures.

As author and editorial lead of Creditsansenquete.com, he seeks to maintain clear, independent and relevant information.

His experience does not constitute a credit-broking licence, an authorisation to lend money or a qualification as a regulated financial or legal adviser.

The articles do not replace personalised advice from appropriately authorised professionals.

Author: N. Frik
Website: https://www.creditsansenquete.com/