Mark Zandi Chief Economist Moody's Analytics

Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi is a co founder of the company Economy.com, which Moody’s purchased in 2005.

Dr. Zandi’s broad research interests encompass macroeconomics, financial market sand public policy. His recent research has focused on mortgage finance reform and the determinants of mortgage foreclosure and personal bankruptcy. He has analyzed the economic impact of various tax and government spending policies and assessed the appropriate monetary policy response to bubbles in asset markets.

A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, Dr. Zandi frequently testifies before Congress on topics including the economic outlook, the nation’s daunting fiscal challenges, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation.

Dr. Zandi conducts regular briefings on the economy for corporate boards, trade associations and policymakers at all levels. He is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, and The Reinvestment Fund, a large CDFI that makes investments in disadvantaged neighborhoods. He is often quoted in national and global publications and interviewed by major news media outlets, and is a frequent guest on CNBC, NPR, Meet the Press, CNN, and various other national networks and news programs.

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which provides an assessment of the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by the New York Times as the “clearest guide” to the financial crisis.

Dr. Zandi earned his B.S. from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania. He lives with his wife and three children in the suburbs of Philadelphia.

Adam Kamins Senior Regional Economist Moody's Analytics

Adam Kamins is a director at Moody’s Analytics. He manages the firm’s U.S. subnational forecasting process and covers a wide variety of topics related to regional economics while frequently writing and presenting about both the New York and broader Northeast economies. Adam is also responsible for state and metro area scenarios, analyzing and forecasting commercial real estate prices and activity, and quantifying the impact of external events such as natural disasters. Prior to joining Moody’s Analytics, Adam was a research manager at the Initiative for a Competitive Inner City, where he analyzed urban economies. He holds an MBA from the University of Chicago Booth School of Business and a bachelor's degree in quantitative economics from Tufts University.

David Fieldhouse Director - Consumer Credit Analytics Moody's Analytics

David Fieldhouse is a Director in the Content, Economics and Structured Analytics Division of Moody’s Analytics. His responsibilities include developing and validating models of retail loan performance for financial institutions. He also provides regular analysis and commentary on consumer credit markets. David has a PhD from the University of Western Ontario.

Cris deRitis Deputy Chief Economist Moody's Analytics

Cristian deRitis, Deputy Chief Economist at Moody’s Analytics, specializes in assessing the economy’s impact on household finance, housing, credit markets and public policy. Named on two U.S. patents for credit modeling, he created loss forecasting and stress testing systems for financial institutions. He joined Moody’s in 2008, after serving as a director with Fannie Mae. He also was an adjunct professor of economics at Johns Hopkins University.

Damien Moore Director - Economic Research Moody's Analytics

Damien Moore is a Director of economic research at Moody’s Analytics. He covers U.S. financial markets, provides research on finance-related topics, develops market risk models for stress-testing and other applications, and works on various Moody’s Analytics models and tools related to government and corporate finances. He has broad expertise in financial economics including asset pricing, valuation methodologies, portfolio analytics, macro finance, and financial econometrics.

Prior to joining Moody’s Analytics, Damien spent 12 years at the Congressional Budget Office, most recently as the head of the agency’s Financial Analysis Division, where he supervised projects analyzing the federal role in the financial system and the costs of federal financial programs. Under his supervision, the Division produced numerous reports including analyses of policies to rescue the U.S. financial system during the 2008 financial crisis, the federal conservatorships of Fannie Mae and Freddie Mac, the federal role in housing and mortgage markets, the Pension Benefits Guarantee Corporation, and federal student loan programs. Before his time at the CBO, Damien was a lecturer in the School of Business at the University of Sydney. He taught classes in investments, fixed income securities, and corporate finance.

Damien holds a PhD in economics from Northwestern University as well as undergraduate degrees in economics and accounting from the Australian National University.

Dr. David Hamilton Managing Director, Head of Research & Analytics Moody's

David Hamilton is a financial economist with a passion for broadening understanding of risk and credit markets. Dr. Hamilton currently serves as Managing Director, Head of Research & Analytics, in the Predictive Analytics team based in New York. From 2015-2020, Dr. Hamilton held the post of Managing Director, Head of Credit Risk Analytics for the Asia Pacific Region, based in Singapore. He has held various senior positions in both Moody’s Investors Service and Moody’s Analytics over his 26-year career with Moody's. He has worked across different asset classes, including corporates, high-yield, financial institutions, sovereigns, public finance, structured finance, and digital assets, and across divisions, including quantitative research, credit policy, business development and customer success. Prior to joining Moody’s in 1997, David worked in the Regional Economics group at the Federal Reserve Bank of Philadelphia.

Mark Zandi Chief Economist Moody's Analytics

Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi is a co founder of the company Economy.com, which Moody’s purchased in 2005.

Dr. Zandi’s broad research interests encompass macroeconomics, financial market sand public policy. His recent research has focused on mortgage finance reform and the determinants of mortgage foreclosure and personal bankruptcy. He has analyzed the economic impact of various tax and government spending policies and assessed the appropriate monetary policy response to bubbles in asset markets.

A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, Dr. Zandi frequently testifies before Congress on topics including the economic outlook, the nation’s daunting fiscal challenges, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation.

Dr. Zandi conducts regular briefings on the economy for corporate boards, trade associations and policymakers at all levels. He is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, and The Reinvestment Fund, a large CDFI that makes investments in disadvantaged neighborhoods. He is often quoted in national and global publications and interviewed by major news media outlets, and is a frequent guest on CNBC, NPR, Meet the Press, CNN, and various other national networks and news programs.

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which provides an assessment of the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by the New York Times as the “clearest guide” to the financial crisis.

Dr. Zandi earned his B.S. from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania. He lives with his wife and three children in the suburbs of Philadelphia.

Lu Chen Director of Housing Research Moody's

Lu Chen is a Senior Economist at Moody’s Analytics specializing in Commercial Real Estate.  She has worked in the commercial real estate industry in customer success capacity for over a decade.  Lu has deep knowledge in urban economics and credit risk, with special focus on Texas market performance, senior housing, and urban migration.

Martin Wurm Director-Economic Research Moody’s Analytics

Martin A. Wurm is a senior economist with Moody’s Analytics. He covers financial markets, with a focus on market risk, as well as regional economies in the U.S. Before joining Moody’s Analytics, he served as associate professor of Economics at Pacific Lutheran University in Tacoma WA. Dr. Wurm has published on financial market development and informal economies and has conducted local impact studies and forecasts. He holds a doctorate and master’s degree from the University of Wisconsin–Milwaukee and completed his undergraduate work at the University of Potsdam and the Ludwig-Maximilian’s University in Munich, Germany.

Cris deRitis Deputy Chief Economist Moody's Analytics

Cristian deRitis, Deputy Chief Economist at Moody’s Analytics, specializes in assessing the economy’s impact on household finance, housing, credit markets and public policy. Named on two U.S. patents for credit modeling, he created loss forecasting and stress testing systems for financial institutions. He joined Moody’s in 2008, after serving as a director with Fannie Mae. He also was an adjunct professor of economics at Johns Hopkins University.

Bill Adams Senior Vice President, Chief Economist Comerica Bank

William (Bill) Adams is senior vice president and chief economist at Comerica Bank. Bill leads Comerica's Economics Department, providing research and analysis that impact the bank's key markets, as well as business leaders and policy makers throughout the country. 

Bill joined Comerica in 2022 after spending the previous 10 years with The PNC Financial Services Group, where he served as the senior vice president and senior manager economist. Bill contributed to forecasts and analysis of the U.S. national economy and regional economies within PNC's core footprint. He also provided forecasts of international economic conditions, interest rates, and exchange rates, covering major foreign developed and developing economies. An expert financial forecaster, Bill's exchange rate forecasts were ranked in the 90th percentile of Bloomberg's forecast accuracy rankings when he left PNC. Prior to joining PNC, Bill was China resident economist for The Conference Board from 2009 to 2011.

He is co-author of In Line Behind a Billion People: How Scarcity Will Define China's Ascent in the Next Decade, published in 2013 by the Financial Times Press, and translated into Chinese in 2014 by Gusa Publishing (Taiwan). He is former president of the Economic Club of Pittsburgh, a local chapter of the National Association of Business Economics (NABE); a former associate of the University of Pittsburgh Asian Studies Center; and a former co-director of the Pittsburgh Warburg Chapter of the American Council on Germany. 

Adams holds a master’s degree from the Johns Hopkins School of Advanced International Studies and a bachelor’s degree from Harvard.

Mark Zandi Chief Economist Moody's Analytics

Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi is a co founder of the company Economy.com, which Moody’s purchased in 2005.

Dr. Zandi’s broad research interests encompass macroeconomics, financial market sand public policy. His recent research has focused on mortgage finance reform and the determinants of mortgage foreclosure and personal bankruptcy. He has analyzed the economic impact of various tax and government spending policies and assessed the appropriate monetary policy response to bubbles in asset markets.

A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, Dr. Zandi frequently testifies before Congress on topics including the economic outlook, the nation’s daunting fiscal challenges, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation.

Dr. Zandi conducts regular briefings on the economy for corporate boards, trade associations and policymakers at all levels. He is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, and The Reinvestment Fund, a large CDFI that makes investments in disadvantaged neighborhoods. He is often quoted in national and global publications and interviewed by major news media outlets, and is a frequent guest on CNBC, NPR, Meet the Press, CNN, and various other national networks and news programs.

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which provides an assessment of the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by the New York Times as the “clearest guide” to the financial crisis.

Dr. Zandi earned his B.S. from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania. He lives with his wife and three children in the suburbs of Philadelphia.

Bill Adams Senior Vice President, Chief Economist Comerica Bank

William (Bill) Adams is senior vice president and chief economist at Comerica Bank. Bill leads Comerica's Economics Department, providing research and analysis that impact the bank's key markets, as well as business leaders and policy makers throughout the country. 

Bill joined Comerica in 2022 after spending the previous 10 years with The PNC Financial Services Group, where he served as the senior vice president and senior manager economist. Bill contributed to forecasts and analysis of the U.S. national economy and regional economies within PNC's core footprint. He also provided forecasts of international economic conditions, interest rates, and exchange rates, covering major foreign developed and developing economies. An expert financial forecaster, Bill's exchange rate forecasts were ranked in the 90th percentile of Bloomberg's forecast accuracy rankings when he left PNC. Prior to joining PNC, Bill was China resident economist for The Conference Board from 2009 to 2011.

He is co-author of In Line Behind a Billion People: How Scarcity Will Define China's Ascent in the Next Decade, published in 2013 by the Financial Times Press, and translated into Chinese in 2014 by Gusa Publishing (Taiwan). He is former president of the Economic Club of Pittsburgh, a local chapter of the National Association of Business Economics (NABE); a former associate of the University of Pittsburgh Asian Studies Center; and a former co-director of the Pittsburgh Warburg Chapter of the American Council on Germany. 

Adams holds a master’s degree from the Johns Hopkins School of Advanced International Studies and a bachelor’s degree from Harvard.

Lu Chen Director of Housing Research Moody's

Lu Chen is a Senior Economist at Moody’s Analytics specializing in Commercial Real Estate.  She has worked in the commercial real estate industry in customer success capacity for over a decade.  Lu has deep knowledge in urban economics and credit risk, with special focus on Texas market performance, senior housing, and urban migration.

Cris deRitis Deputy Chief Economist Moody's Analytics

Cristian deRitis, Deputy Chief Economist at Moody’s Analytics, specializes in assessing the economy’s impact on household finance, housing, credit markets and public policy. Named on two U.S. patents for credit modeling, he created loss forecasting and stress testing systems for financial institutions. He joined Moody’s in 2008, after serving as a director with Fannie Mae. He also was an adjunct professor of economics at Johns Hopkins University.

David Fieldhouse Director - Consumer Credit Analytics Moody's Analytics

David Fieldhouse is a Director in the Content, Economics and Structured Analytics Division of Moody’s Analytics. His responsibilities include developing and validating models of retail loan performance for financial institutions. He also provides regular analysis and commentary on consumer credit markets. David has a PhD from the University of Western Ontario.

Dr. David Hamilton Managing Director, Head of Research & Analytics Moody's

David Hamilton is a financial economist with a passion for broadening understanding of risk and credit markets. Dr. Hamilton currently serves as Managing Director, Head of Research & Analytics, in the Predictive Analytics team based in New York. From 2015-2020, Dr. Hamilton held the post of Managing Director, Head of Credit Risk Analytics for the Asia Pacific Region, based in Singapore. He has held various senior positions in both Moody’s Investors Service and Moody’s Analytics over his 26-year career with Moody's. He has worked across different asset classes, including corporates, high-yield, financial institutions, sovereigns, public finance, structured finance, and digital assets, and across divisions, including quantitative research, credit policy, business development and customer success. Prior to joining Moody’s in 1997, David worked in the Regional Economics group at the Federal Reserve Bank of Philadelphia.

Adam Kamins Senior Regional Economist Moody's Analytics

Adam Kamins is a director at Moody’s Analytics. He manages the firm’s U.S. subnational forecasting process and covers a wide variety of topics related to regional economics while frequently writing and presenting about both the New York and broader Northeast economies. Adam is also responsible for state and metro area scenarios, analyzing and forecasting commercial real estate prices and activity, and quantifying the impact of external events such as natural disasters. Prior to joining Moody’s Analytics, Adam was a research manager at the Initiative for a Competitive Inner City, where he analyzed urban economies. He holds an MBA from the University of Chicago Booth School of Business and a bachelor's degree in quantitative economics from Tufts University.

Damien Moore Director - Economic Research Moody's Analytics

Damien Moore is a Director of economic research at Moody’s Analytics. He covers U.S. financial markets, provides research on finance-related topics, develops market risk models for stress-testing and other applications, and works on various Moody’s Analytics models and tools related to government and corporate finances. He has broad expertise in financial economics including asset pricing, valuation methodologies, portfolio analytics, macro finance, and financial econometrics.

Prior to joining Moody’s Analytics, Damien spent 12 years at the Congressional Budget Office, most recently as the head of the agency’s Financial Analysis Division, where he supervised projects analyzing the federal role in the financial system and the costs of federal financial programs. Under his supervision, the Division produced numerous reports including analyses of policies to rescue the U.S. financial system during the 2008 financial crisis, the federal conservatorships of Fannie Mae and Freddie Mac, the federal role in housing and mortgage markets, the Pension Benefits Guarantee Corporation, and federal student loan programs. Before his time at the CBO, Damien was a lecturer in the School of Business at the University of Sydney. He taught classes in investments, fixed income securities, and corporate finance.

Damien holds a PhD in economics from Northwestern University as well as undergraduate degrees in economics and accounting from the Australian National University.

Martin Wurm Director-Economic Research Moody’s Analytics

Martin A. Wurm is a senior economist with Moody’s Analytics. He covers financial markets, with a focus on market risk, as well as regional economies in the U.S. Before joining Moody’s Analytics, he served as associate professor of Economics at Pacific Lutheran University in Tacoma WA. Dr. Wurm has published on financial market development and informal economies and has conducted local impact studies and forecasts. He holds a doctorate and master’s degree from the University of Wisconsin–Milwaukee and completed his undergraduate work at the University of Potsdam and the Ludwig-Maximilian’s University in Munich, Germany.

Mark Zandi Chief Economist Moody's Analytics

Mark M. Zandi is chief economist of Moody’s Analytics, where he directs economic research. Moody’s Analytics, a subsidiary of Moody’s Corp., is a leading provider of economic research, data and analytical tools. Dr. Zandi is a co founder of the company Economy.com, which Moody’s purchased in 2005.

Dr. Zandi’s broad research interests encompass macroeconomics, financial market sand public policy. His recent research has focused on mortgage finance reform and the determinants of mortgage foreclosure and personal bankruptcy. He has analyzed the economic impact of various tax and government spending policies and assessed the appropriate monetary policy response to bubbles in asset markets.

A trusted adviser to policymakers and an influential source of economic analysis for businesses, journalists and the public, Dr. Zandi frequently testifies before Congress on topics including the economic outlook, the nation’s daunting fiscal challenges, the merits of fiscal stimulus, financial regulatory reform, and foreclosure mitigation.

Dr. Zandi conducts regular briefings on the economy for corporate boards, trade associations and policymakers at all levels. He is on the board of directors of MGIC, the nation’s largest private mortgage insurance company, and The Reinvestment Fund, a large CDFI that makes investments in disadvantaged neighborhoods. He is often quoted in national and global publications and interviewed by major news media outlets, and is a frequent guest on CNBC, NPR, Meet the Press, CNN, and various other national networks and news programs.

Dr. Zandi is the author of Paying the Price: Ending the Great Recession and Beginning a New American Century, which provides an assessment of the monetary and fiscal policy response to the Great Recession. His other book, Financial Shock: A 360º Look at the Subprime Mortgage Implosion, and How to Avoid the Next Financial Crisis, is described by the New York Times as the “clearest guide” to the financial crisis.

Dr. Zandi earned his B.S. from the Wharton School at the University of Pennsylvania and his PhD at the University of Pennsylvania. He lives with his wife and three children in the suburbs of Philadelphia.