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.

Warren Kornfeld Senior Vice President, North America Banks and Finance Companies Moody's Ratings

Warren Kornfeld is a Senior Vice President in Moody’s Financial Institutions Group covering mortgage, credit card, student loan banks and finance companies as well as Government Sponsored Enterprises (FHLBanks, Farm Credit, Fannie and Freddie).

Prior to joining the Financial Institutions Group, Warren was a Managing Director for Structured Finance Administration overseeing key strategic initiatives and prior to that Warren co-headed the Residential Mortgage- Backed Securities (RMBS) team as well as headed up the U.S. Servicer Ratings team.

Warren joined Moody’s in 2001. Prior to Moody’s, Warren held senior investment banking positions with William Blair & Co., The Industrial Bank of Japan and Bickford & Partners focusing on a securitizations of a wide range of asset types, including residential mortgages, equipment lease, auto loan and lease, consumer assets and commercial receivables.

Warren holds a B.S. in Finance and Decision Sciences from the Wharton School of the University of Pennsylvania.

Matt Reidy Director-Economic Research Moody's

Matt Reidy, CFA is a Director of CRE Economics on the CRE Thought Leadership team at Moody’s Analytics. Matt is involved in research across CRE property types with expertise in the areas of real estate capital markets, multifamily, and affordable housing. Prior to joining Moody’s Analytics, Matt spent 17 years in various CRE Investment roles in the insurance industry, most recently as VP of Real Estate Investment Strategy, Risk Management & Analytics for a large midwestern life insurer. His years as a practitioner bring a unique, real world experienced viewpoint to the Thought Leadership team. Matt holds the Chartered Financial Analyst designation, an MBA from The Ohio State University, and a Bachelor’s in Accounting from University of Cincinnati.

Atsi Sheth Managing Director, Chief Credit Officer and Global Head of Credit Strategy & Standards Moody's Ratings

Atsi Sheth is Managing Director and Global Head, Credit Strategy and Research.

Moody’s Credit Strategy & Research group includes global teams focused on Macroeconomic Research, Default & Ratings Analytics and Global Emerging Markets as well as regional credit strategy teams each focused on Asia-Pacific, the Americas, and EMEA.

Together these teams establish and articulate Moody’s house views on the trends that drive risk across countries, sectors and asset classes. They undertake in depth data driven analysis and leverage the expertise of ratings and research analysts across Moody’s to generate global, regional and sector insights on macro-economic, political, policy, technology and environmental, social and governance (ESG) risks.

In her capacity leading the group, Atsi also serves as a spokesperson on Moody’s analytic views, engaging with investors, the media and a wide range of public and private sector stakeholders.

Atsi is a long-time champion of Moody’s Diversity, Equity & Inclusion (DE&I) as well as our Corporate Social Responsibility (CSR) initiatives. She serves as co-chair of the CSR Thought Leadership & Solutions working group and the Senior Advisor to Moody’s Asian Leadership Initiative - a Multicultural Business Resource Group.

Prior to her current role, Atsi was Moody’s Chief Credit Officer for the Americas and before that Managing Director in Moody’s Sovereign Risk Group. She has also served as Chief Economist at Reliance Capital and taught courses on International Political Economy and Emerging Markets at Columbia University and Northwestern University. Atsi has a PhD from Northwestern University and a B.A. from Bombay 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.

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.

Warren Kornfeld Senior Vice President, North America Banks and Finance Companies Moody's Ratings

Warren Kornfeld is a Senior Vice President in Moody’s Financial Institutions Group covering mortgage, credit card, student loan banks and finance companies as well as Government Sponsored Enterprises (FHLBanks, Farm Credit, Fannie and Freddie).

Prior to joining the Financial Institutions Group, Warren was a Managing Director for Structured Finance Administration overseeing key strategic initiatives and prior to that Warren co-headed the Residential Mortgage- Backed Securities (RMBS) team as well as headed up the U.S. Servicer Ratings team.

Warren joined Moody’s in 2001. Prior to Moody’s, Warren held senior investment banking positions with William Blair & Co., The Industrial Bank of Japan and Bickford & Partners focusing on a securitizations of a wide range of asset types, including residential mortgages, equipment lease, auto loan and lease, consumer assets and commercial receivables.

Warren holds a B.S. in Finance and Decision Sciences from the Wharton School of the University of Pennsylvania.

Matt Reidy Director-Economic Research Moody's

Matt Reidy, CFA is a Director of CRE Economics on the CRE Thought Leadership team at Moody’s Analytics. Matt is involved in research across CRE property types with expertise in the areas of real estate capital markets, multifamily, and affordable housing. Prior to joining Moody’s Analytics, Matt spent 17 years in various CRE Investment roles in the insurance industry, most recently as VP of Real Estate Investment Strategy, Risk Management & Analytics for a large midwestern life insurer. His years as a practitioner bring a unique, real world experienced viewpoint to the Thought Leadership team. Matt holds the Chartered Financial Analyst designation, an MBA from The Ohio State University, and a Bachelor’s in Accounting from University of Cincinnati.

Atsi Sheth Managing Director, Chief Credit Officer and Global Head of Credit Strategy & Standards Moody's Ratings

Atsi Sheth is Managing Director and Global Head, Credit Strategy and Research.

Moody’s Credit Strategy & Research group includes global teams focused on Macroeconomic Research, Default & Ratings Analytics and Global Emerging Markets as well as regional credit strategy teams each focused on Asia-Pacific, the Americas, and EMEA.

Together these teams establish and articulate Moody’s house views on the trends that drive risk across countries, sectors and asset classes. They undertake in depth data driven analysis and leverage the expertise of ratings and research analysts across Moody’s to generate global, regional and sector insights on macro-economic, political, policy, technology and environmental, social and governance (ESG) risks.

In her capacity leading the group, Atsi also serves as a spokesperson on Moody’s analytic views, engaging with investors, the media and a wide range of public and private sector stakeholders.

Atsi is a long-time champion of Moody’s Diversity, Equity & Inclusion (DE&I) as well as our Corporate Social Responsibility (CSR) initiatives. She serves as co-chair of the CSR Thought Leadership & Solutions working group and the Senior Advisor to Moody’s Asian Leadership Initiative - a Multicultural Business Resource Group.

Prior to her current role, Atsi was Moody’s Chief Credit Officer for the Americas and before that Managing Director in Moody’s Sovereign Risk Group. She has also served as Chief Economist at Reliance Capital and taught courses on International Political Economy and Emerging Markets at Columbia University and Northwestern University. Atsi has a PhD from Northwestern University and a B.A. from Bombay University.