Mark Nicholson is a Director in the European Insurance Developed Markets Team and Lead Analyst for Dutch, Nordic and Marine credits. Mark has worked in S&P Ratings Services since 2009. He was previously an equity analyst with S&P, following non-life, reinsurance and Nordic insurers and before that was a Credit Ratings Analyst with Fitch Ratings for six years where he covered a range of insurance companies in Europe and Asia. Mark is a Chartered Accountant, having qualified with KPMG while working as an auditor covering the financial sector. He also holds a BA in History from Cambridge University.