معرفی
Dr. Nicole Lux is a Senior Research Fellow and Project Director at the Faculty of Finance, Bayes Business School (City, University of London). She holds a PhD in Real Estate Finance from the University of Reading and has extensive industry experience spanning Deutsche Bank, Moody’s Investor Service, and Citigroup. Her research focuses on real estate debt finance, credit rating methodologies, and regulatory frameworks like Basel. She leads the Commercial Real Estate Lending Report, enhancing market transparency for regulators and investors. Lux is an External Examiner at Oxford University and a frequent speaker at industry events like CREFC and MSCI.
Education:
- PhD in Real Estate Finance, University of Reading, 2002
- IMC and CFA, United Kingdom, 2002
Research Interests:
- Real Estate Debt Finance: Specializes in commercial mortgage loans and structured finance products.
- Credit Risk Modelling: Develops methodologies for assessing default probabilities and credit spreads.
- Regulatory Compliance: Focuses on Basel III requirements and their impact on real estate lending.
Professional Activities:
- Consulted on €100m commercial real estate portfolios and rating models for Danske Bank.
- Authored a practitioner’s book Assessing Real Estate Risk (2012) and over 6 peer-reviewed articles.
- Delivers executive training on risk management through RICS and Euromoney.
Key Projects:
- De Montfort Commercial Real Estate Lending Project (2016–present).
- Bayes Business School Commercial Real Estate Lending Reports (2023–2024).
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