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married, three children
Trained bank clerk, degree in business administration and, since 2000, managing partner of Gracher Kredit- und Kautionsmakler GmbH und Co. KG, Germany’s largest surety service provider.
An expert in his field and a member of the Chamber of Industry and Commerce (IHK) finance committee, he is consulted on such matters as the implementation of European Commission directives and regulations.
He is also a co-founder and board member of (the international credit broker association) BARDO e.V., established in 2013, and heads its surety committee. As a founding member of Surety Alliance, he is well-connected internationally.
born 1974, partner, two children
Qualified insurance broker and degree in business administration.
André Ofenloch began his carrier as an analyst and underwriter in 1993, working in the Creditline division of Allgemeinen Kredit AG (later Coface Deutschland AG). In 2003, he moved to Coface’s new factoring subsidiary Coface Finanz GmbH, starting out as an account manager in commercial factoring. From 2006 onwards, he became the authorized head of the Business Development, Institutional Clients/Refactoring and Reverse Factoring divisions. In 2014, he was made head of sales for the company’s factoring business, managing a 15-strong decentralized sales team up until the end of 2018. Parallel to this, he also became head of the newly established New Client Structuring and Onboarding division, where he remained until the end of 2019.
At Gracher, Ofenloch oversees the factoring and receivables & purchase financing business. In addition to a wealth of experience drawn from a long career in financing and credit insurance, Ofenloch also has an extensive network of contacts in credit insurance, factoring, banking and purchase order financing.
After training as a bank clerk, Wolber obtained a Bachelor in International Business in Maastricht, completing part of the course in Ecuador. He also completed a Masters in Banking & Finance at HSG St. Gallen.
He then spent 12 years in London, initially at Barclays Capital and then at Citigroup. At both institutions, he worked in leveraged finance, structuring and placing financing solutions for corporate and private equity clients. He then moved to Ondra Partners (also in London) where he worked in debt advisory.
Wolber now heads Gracher’s finance consulting business. In addition to his longstanding experience within the financing sector, he also has an extensive network of contacts among financing partners – banks, credit funds (private debt), mezzanine financing providers, and a wide variety of alternative credit providers.
born 1961, married, 3 children
1992 Deutsche Bank management trainee program in Frankfurt and subsequent role as assistant to the board of management at the Duisburg branch. Thereafter, branch director of two large Deutsche Bank branches.
At the end of 1997, moved to HOCHTIEF AG in Essen as Head of Corporate Finance, Investor Relations and Asset Management. Responsibility for numerous projects, both national and international. From 2004 onwards, also Deputy Chairman at HOCHTIEF Pension Trust e.V., the group’s investment vehicle for financing German pension liabilities.
Longstanding management and project experience at international level, including negotiation of high-volume surety facilities for operating subsidiaries in the USA and Canada.
After graduating from high school, trained as a bank clerk at a savings bank, where he was subsequently employed in the bank’s credit department.
He then studied law in Bonn, passing the bar, and went on to work in Deutsche Bank AG’s corporate banking division.
From here, he moved into property leasing at subsidiaries of Dresdner Bank and Commerzbank and was responsible for structuring and financing numerous large projects – focusing, in particular, on compliance with international accounting rules.
Joined Gracher in 2013, focusing on the construction industry and property developers.
born 1991, married, two children
After successfully completing his studies in Economics and English at the University of Trier, Narykov gained international experience in the financial centre of Luxembourg.
In February 2018, he joined Gracher, where he works as a deposit specialist and also supports the company in the development of in-house software solutions.
1970, 1 daughter
Mrs. Josic began her professional career in 1987 with an apprenticeship as a banker at Commerzbank AG in Karlsruhe, where she very quickly familiarized herself with the world of documentary foreign business after successfully completing her university degree.
After her working in Heidelberg, Baden-Baden and Karlsruhe – always anchored in sales-related corporate customer business field – in 1998 she decided to move to the headquarters of Commerzbank AG, where she was responsible for relationships with banks in Eastern Europe.
In 2000 she took her first managerial position as an authorized signatory in Munich – again in the corporate customer business field as responsible manager of the documentary foreign business for southern Bavaria with a sales order. In 2007 she switched to classic sales as a corporate customer advisor. Here, Mrs. Josic was responsible for the support and development of a portfolio of companies in the small and Medium-sized sector, and then shortly after she grew into the support of the upper medium-sized companies. In 2014 she took over the management of corporate credit administration and covered the control of the administration and contract design of the entire credit business of SMEs in southern Bavaria, including the negotiation of complex, structured contracts. As part of the continuous improvement process, she immersed herself in the project business and shared responsibility for the design of loan agreements and the guarantee process of the Corporate Credit Administration. From 2018 she devoted herself to her passion in customer sales as a key account manager in the middle to upper medium-sized sector, firstly in Munich and from 2020 in Karlsruhe.
Due to her previous professional career, Mrs. Josic has almost 30 years of professional experience in the corporate customer business field.
born 1976, married, 3 children
In 1996, after completing military service, he began his training at the Kreissparkasse Wesermünde-Hadeln. After successfully completing his degree, Mr. Grove worked in the Corporate Clients department as a loan officer, in the corporate client secretariat and as a financial analyst. During this time, further training to become a savings bank specialist and savings bank business administrator took place. In 2007, Mr. Grove switched to sales as a corporate client advisor. Here he advised start-ups, self-employed, freelancers, commercial and corporate customers on all topics from the banking and insurance industry.
In 2013, Mr. Grove started working as a corporate account manager at MMV Leasing GmbH in Hamburg. From April 1, 2015, he was employed as district manager at the newly opened Bremen site, and on January 1, 2017, he was appointed deputy branch manager. In 2017, Mr. Grove switched to abcfinance GmbH, where he began working as an account manager, also in sales leasing, and later as a key account manager or specialist in sales financing. In sales leasing, sales financing concepts for specialist retailers are developed and implemented.
Due to his previous career, Mr. Grove has more than 20 years of professional experience in corporate and B2B business.
Since July 1st, 2020, Mr. Grove has been part of the deposit team at Gracher Kredit- und Kautionsmakler GmbH & Co. KG in northern Germany.
Christian Bos has accumulated over 10 years experience in the Bonding industry with Nationale Borg and Atradius Bonding. Being highly client orientated Christian Bos has experience in creating and looking for creative solutions to bring parties together.
With an extensive network in banking, insurance companies and a European business focus he will look for national and international business opportunites for the Gracher Group.
Specialities are customer focus, cross selling and international business with multinationals.
Divorced, one child
Studied English and Slavic languages and literature, doctorate in 1992 in the field of English linguistics.
Has worked in the banking industry since 1993: Credit business, credit brokerage, process optimisation. 2021 Joined Gracher Kredit- und Kautionsmakler GmbH und Co. KG as senior deposit officer.
Born 1979, married, two children
Banker, graduated in business administration and certified credit risk manager from the Frankfurt
School of Finance & Management. Carsten Schack's professional career began at the Volksbank Bonn Rhein Sieg eG with an internship as a bank employee and then studies in the corporate client sector. After successfully completing his studies, Schack took a job as a corporate client advisor for regional medium-sized companies. He then gained his first experience in factoring at VR FACTOREM GmbH as a key account manager, before gaining his first experience in factoring at HSBC. Schack then switched to Coface Finanz GmbH and was responsible for the Cologne area as a Senior Region Manager Trade Receivables Finance. In 2018, he assumed the role of Senior Region Manager in Deal Structuring at Coface Finanz GmbH until he switched back to sales at ABN AMRO Commercial Finance. There he was responsible for acquiring new clients and maintaining and developing various sales channels for asset-based finance products such as factoring, leasing and inventory financing.
Basically, the Rhineland resident has more than 20 years of experience in finance and credit.
At Gracher, Mr. Schack takes care of factoring and purchase financing. In addition to his experience in finance and credit, he has an extensive network consisting of credit insurers, factoring companies, financial institutions and procurement financiers.
After completing his education as an insurance specialist in the Signal Iduna Group / Hansa-Invest and Donner & Reuschel Privat Bank in 2001, his focus was initially on advising the local craftsmen (master craftsmen) in the areas of financing and on the concept of optimal insurance protection.
Due to his previous professional career, Andreas Berg has more than 20 years of experience with medium-sized companies.
Since 01.10.2017 Mr. Berg has been part of the surety team at Gracher for the area of North Rhine-Westphalia.
Born 1982, married, two children
In 2005 she began her career first as a clerk and later as a junior specialist in corporate finance at the representative office of LHB Internationale Handelsbank AG Frankfurt, in the office in Belgrade. Since 2012 she has worked as a corporate account manager at Dunav Banka AD in Belgrade with a focus on bank guarantees. In 2015 Ms. Srdanovic switched to ProCredit Bank AG in Frankfurt am Main, where she also worked as a business client advisor, also in sales, and later as a senior business client advisor. She is very familiar with complex tasks such as credit risk analyses or supporting loan applications.
Due to her previous professional career, Mrs. Srdanovic has more than 15 years of experience in the corporate customer business.
Since September 2021, Mrs. Srdanovic is a senior consultant in the sales team at Gracher Kredit- und Kautionsmakler GmbH & Co. KG from the Frankfurt location and will be available to clients from there.
Dipl. Economist, born 1981, 1 child
Studied Economics with a focus in Finance at the Ruprecht-Karls-University Heidelberg followed by a MSc in European Politics and Governance at the London School of Economics and Political Science.
For 15 years working as a business development expert in various fields in Bulgaria – electricity trading, renewable energy, energy efficiency, EU financing. Was responsible for the optimization of electricity costs for an energy-intensive industrial company, which became the first Bulgarian industrial consumer to cover its own electricity needs through active electricity trading activity and thus achieved significant financial savings.
Since May 2020 working at Gracher as Specialist Standard Surety Bonds.