Experience

Johns Hopkins University SAIS

• International Affairs
• 1 - 100 Employee

• Graduate Student

  • Aug 2021 - Present



Moody's Investors Service

• United States
• Financial Services
• 700 & Above Employee

• Analyst

  • Apr 2020 - Aug 2021

  - Lead rating analyst on a broad portfolio of single family, multifamily, military, student, and elderly affordable housing bond transactions issued by US state housing finance agencies and non-profit housing organizations. Managed the credit rating at the initial issuance of bond transactions and conducted ongoing annual credit surveillance and DBC cash flow modeling in addition to regularly fielding bond investor questions, writing rating announcements for the broader market, and composing detailed credit profiles and updates of transactions for Moody’s research subscribers.- Authored articles for Moody’s research subscribers regarding rising Millennial demand for affordable housing, strategies used by state housing agencies in managing mortgage tax credits, the shifting demographics of immigrant housing demand, policies state housing finance agencies deploy in retaining their affordable multifamily housing stock, and the potential credit impact of adverse climate change events to bonds used to finance privatized military housing and state housing agency loan portfolios. Show less

• Associate Lead Analyst

  • Apr 2017 - Apr 2020

• Associate Analyst

  • Mar 2014 - Apr 2017



Fannie Mae

• United States
• Financial Services
• 700 & Above Employee

• Financial Analyst

  • Jan 2013 - Mar 2014

  - Determine five year revenue forecast, monthly mortgage acquisitions outlook, and Dodd-Frank stress test scenario results by utilizing macroeconomics knowledge base and analyzing financial data of mortgage originations, MBS flow activity, guarantee fee income and other cash flows. - Produce monthly analysis of mortgage acquiring activity and brief business areas over housing market developments, mortgage pricing changes, and broader macroeconomic trends. - Determine five year revenue forecast, monthly mortgage acquisitions outlook, and Dodd-Frank stress test scenario results by utilizing macroeconomics knowledge base and analyzing financial data of mortgage originations, MBS flow activity, guarantee fee income and other cash flows. - Produce monthly analysis of mortgage acquiring activity and brief business areas over housing market developments, mortgage pricing changes, and broader macroeconomic trends.



Freddie Mac

• United States
• Financial Services
• 700 & Above Employee

• Reporting Senior

  • Mar 2012 - Jan 2013

  - Managing revamp of audit progression reporting for Internal Audit division. Coordinating with IT and senior Internal Audit staff to improve metrics and streamline quarterly and monthly MS Excel-based audit plan progress and auditor chargeability dashboard reporting. - Utilized prior computer coding experience to assist in mortgage securitization audit work: Audited mortgage-backed securitization (MBS) accounting system and multifamily real estate loan portfolios. - Managing revamp of audit progression reporting for Internal Audit division. Coordinating with IT and senior Internal Audit staff to improve metrics and streamline quarterly and monthly MS Excel-based audit plan progress and auditor chargeability dashboard reporting. - Utilized prior computer coding experience to assist in mortgage securitization audit work: Audited mortgage-backed securitization (MBS) accounting system and multifamily real estate loan portfolios.



Worldpay

• United Kingdom
• Financial Services
• 700 & Above Employee

• Portfolio Analyst

  • Sep 2007 - Feb 2012

  - Developed and implemented regular and ad hoc reporting for senior executives and Credit Risk, Portfolio Management, and Underwriting teams of international payment processing arm of RBS Group; MS Excel quantitative reports detailed total credit exposure metrics, financial transaction activity, underwriting trend analysis, high-risk customer profiling, and other risk attributes of client merchant portfolio. - Enhanced and expanded monthly Risk Management Committee presentation by utilizing SQL and Excel skills to introduce Basel II credit risk metrics (e.g., portfolio PD, LGD, EAD, credit exposure by asset class, credit limit excess, etc.). Reporting utilized by senior management to mitigate company-wide financial risk. - Worked closely with Operational Risk managers to perform data analysis using MS Excel and SQL for end-to-end risk assessments. Assessments covered external commission pricing methodology, ACH transaction products, risk metrics validation, and new application quality control testing. - Improved efficiency of department credit review process by creating and continually updating four interactive MS Excel spreadsheet templates; spreadsheets utilize Excel vlookup function to recall financial, demographic, and credit rating data of over 100,000 client merchants. - Developed financial model of portfolio credit risk by business classification. Model-based recommendations used to formulate portfolio-wide risk appetite. - Acquired knowledge of accounting concepts through successful completion of Moody’s Commercial Lending Universal Edition (CLUE) formal credit training course. - Contributed to department credit review process by spreading client company financial statements into Moody’s RiskAnalyst software. - Maintained and managed extensive SQL Server database of merchant financial, demographic, and credit statistics to ensure accuracy and data quality. Show less