Keith Banhazl Managing Director, Head of Commercial Real Estate Finance Moody’s Ratings

Keith Banhazl is a Managing Director and Head of Commercial Real Estate Finance for Americas within the Structured Finance Group and leads the team responsible for CMBS & CRE CLO new ratings and surveillance at Moody’s Investors Service. The team is responsible for reviewing Conduit/Fusion, Large Loan/Single Borrower, Agency CMBS, Credit Tenant Lease, Small Balance Commercial, CRE CLO, CRE CDO and other structured products at Moody’s Investors Service. He is also Moody’s Global Structured Finance Outreach Coordinator. He has been involved in various research initiatives and outreach activities related to the CRE securitization space, publishing and speaking on Moody’s behalf. Prior to being appointed to his current position, Mr. Banhazl was a Managing Director within the Structured Finance Group leading the US CMBS and CRE CLO/CDO Surveillance team and the review of primary US CRE CLO/CDO transactions, including the credit assessment team for commercial real estate assets within CRE CDO’s and CLO’s as well as Structured Credit transactions. Previously at Moody’s, he rated various fixed and floating-rate Conduit/Fusion and Large Loan CMBS transactions. Mr. Banhazl has a Bachelor of Arts degree from Brown University in Economics and History

Deryk Meherik Associate Managing Director, Commercial Real Estate Finance Moody's Ratings

Deryk Meherik joined Moody’s Structured Finance Group in 2003 and is currently an Associate Managing Director within the CMBS & CRE CDO Surveillance team. He also oversees the review of primary US CRE CDO/CLO transactions. In addition, he contributes to CRE

CDO/CLO research.

Deryk has authored or co-authored three global rating methodologies including SF CDOs, SF resecuritizations, and SF interest-only securities. Prior to being appointed to his current position, he was a lead analyst within the CMBS & CRE CDO primary team, where he rated various fixed and floating rate CMBS and CRE CDOs transactions. Additionally, Deryk has rated primary Structured Credit transactions. Prior to joining Moody’s, Deryk was a CRE acquisition and research analyst for a private New York based real estate firm. Deryk holds a dual M.S. in civil engineering and real estate development from the Massachusetts Institute of Technology, and a B.A. from the University of Calgary.

Joseph Baksic Associate Managing Director, Commercial Real Estate Finance Moody's Ratings

Joe Baksic manages new issuance for the Commercial Real Estate Finance (CREF) team at Moody’s Investors Service, where he holds the title of Associate Managing Director.  His responsibilities encompass all private-label and agency Commercial Mortgage-Backed Securities (CMBS) issuance within the United States and Canada.

Joe has over 20 years of professional experience within the industry and has overseen the analysis of CRE issuance across the Conduit, Large Loan/Single Asset Single-Borrower, CLO/CDO, and Non-Performing Loan sectors. He has developed multiple rating methodologies, models, and analytical tools.  He has contributed toward research initiatives and authored several publications.  He frequently engages with the media to communicate credit views and developments within the sector. Baksic also regularly liaises in the analysis and ratings of other lines of business within Moody’s as a commercial real estate and structured products specialist.

Joe holds a Bachelor of Science degree in Electrical Engineering from the University of Virginia.

Romina Padhi Vice President - Senior Credit Officer, US CMBS Moody's Investors Service

Romina Padhi is a Vice President – Senior Credit Officer within the Structured Finance Group at Moody’s Investors Service. She is a team leader within the CMBS Surveillance group focusing on U.S. Conduit/Fusion and Large Loan/Single Borrower transactions. In addition, Romina manages the review of credit assessments for commercial real estate assets within CRE CDO/CLO’s.
Prior to her current position, Romina was a lead analyst within the CMBS and CRE CDO/CLO primary and surveillance team where she has rated and reviewed various fixed and floating rate CRE CDO/CLO and CMBS transactions. Romina is a frequent contributor to research and various commercial real estate research initiatives. Prior to joining Moody’s, Romina worked in India for three years in residential and commercial real estate finance. Romina holds a M.S. in commercial real estate development and finance from the Massachusetts Institute of Technology and a B.A. in economics from the University of Mumbai.