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The following recommendations are from Markus' profile on Linkedin (www.markuskrebsz.info):

"Markus has provided us with a wide and deep knowledge about credit rating agencies procedures and evaluation criteria for utilities. His approaches are accurate and direct to the point. He makes things seem easier than they really are! He is a great expert we like to work with."
- Miguel A. Hernandez hired Markus as a Business Consultant in 2010 for a World Bank project

"Markus was a pleasure to work with at HBOS and is highly respected amongst his peers and his work is of the utmost accuracy and importance being used by the bank for their reporting to HM Treasury as an example. He brings to this and other roles a highly tuned anaytical brain and an innovative approach that brings out from a deluge of raw data the picture that usually is hidden within. A highly articulate and accomplished speaker and any employer would have a valuable asset were he to be part of their team."
- David Pellatt, Developer, reported to Markus at Lloyds Banking Group

"Markus is very well-versed with the intricacies of credit rating/structured finance and has
immaculate planning and communication skills. He has established an excellent rapport with senior management, government teams and his team and is highly respected amongst his co-workers.I have high regards for Markus and would highly recommend him and wish him the best"
— Chennakeshav Adya, Business Intelligence Architect, Lloyds Banking Group/Halifax Bank of
Scotland (HBOS), London, was with another company when working with Markus at Lloyds
Banking Group

"It is my pleasure to recommend Markus Krebsz. Markus has been very proactive in spear-heading the development and success of the PRMIA LinkedIn group. In his management of this large and effective group, Markus has been not only very professional, but extremely responsive to my inquiries and requests, as well as to the many PRMIA members who use this group. Markus has been committed to managing this group as a volunteer of our non-profit member-led organization. PRMIA is lucky to have him!"
— Jill Fisher, Training and Risk Education, PRMIA (Professional Risk Managers International
Association), was with another company when working with Markus at (Self Employed)

"Markus took on the organisation and management of HBOS' Securitisation Surveillance team from October 2007 onwards. He brought efficiency, professionalism and his expertise to bear on this task to ensure that the team was able to monitor and analyse the performance of the assets closely. Markus has a strong work ethic and is a highly capable manager."
— Richard Paddle, Head of Credit Trading, HBOS plc, managed Markus indirectly at Lloyds
Banking Group

"Markus is an expert in credit rating with so much flexibility and understanding that one cannot miss what he is imparting. A layman like me could understand the subject of credit rating in 2 days."
— Peter Zhou, Owner, EECG Consultants Pty Ltd, was with another company when working with Markus at World Bank & Southern African Power Pool

"Markus is an energetic and innovative risk specialist that I thoroughly enjoy working with."
— Dennis Cox, CEO, Risk Reward Limited, managed Markus at Risk Reward Ltd.

"Markus is by far one the most technically proficient people in the field of ratings and securitisation. Markus's ability to understand and create new products is far and away the best in the market."
— Zeyn Adam, Basel II Subject Matter Expert and Complex Products Implementation, RBS Global Banking & Markets, worked directly with Markus at Society of Industry Leaders

"Markus has an incredible grasp of his specialist area of Risk Assessment, Ratings Agencies and
Securitisation. But this is no dry number-cruncher - far from it. He adds creative and engaging
graphics to technical presentations, so they are accessible to the majority of people who don't
share his depth of expertise. Markus also has enormous energy and works extremely well with
colleagues on joint projects. It has been a pleasure to work with him and I recommend him to others without hesitation."
— Tim Douglas, HR & People Transformation, 4Most Consulting, worked directly with Markus at
4most Consulting

"Markus is a proactive credit specialist who provides consistent value added ideas within and
around the agreed scope of work. I highly recommend him."
— Andy Fishman, Managing Director, Fitch Solutions, worked with Markus at Fitch Ratings Ltd.

"I have the pleasure of working together with Markus at HBOS (now the Lloyds Banking Group)
through the ups and downs of the takeover for the last year. What I value most in him is his
hard-working work ethic and his organising skills. He is definitely a team player and just makes
things work. Brilliant guy to work with."
— Christina Reinke, CFA, Assistant Director, Bank of Scotland, worked directly with Markus at
Bank of Scotland Treasury (HBOS plc)

"I had the good fortune to work on several projects with Markus, whom I found a first rate
professional, diligent, imaginative, and thorough. He was always willing to put in the extra effort to achieve innovative solutions whilst working under tight deadlines. He is extremely personable and a committed team player. He has extensive experience, which can be well deployed to a range of projects where dedication, an eye to detail and creative solutions are required. I recommend him without reservation. James Leppard"
— James Leppard, Director, Aquarius Services Limited, worked directly with Markus at The Royal Bank of Scotland Group

"Markus is a very capable Snr Business Analyst / Project Manager who can provide an organisation a wealth of knowledge & experience particulary around Structured Finance. He has a great personality and work ethic."
— Mitchell Maddox, Snr Business Analyst, RBS Global Banking Markets, worked directly with
Markus at The Royal Bank of Scotland Group

"Markus works/ed for us at RBS as a Securitisation Subject Matter Expert. He is exactly what it
says on the tin. I could not recommend him highly enough"
— Simon Furey, was Markus's client