Emily Raimes Associate Managing Director - Public Finance Group Moody's Ratings

Emily Raimes is an Associate Managing Director in Moody’s Ratings Public Finance Group, overseeing the global higher education and nonprofit team, covering over 700 colleges, universities, and nonprofit institutions worldwide.

Previously, she managed the States Team, covering state credits across the US. Prior to joining Moody’s in 2006, Emily spent seven years at the New York City Office of Management and Budget, working primarily in Economic Analysis. Emily holds a BA degree in government from Wesleyan University and a Master’s in Public Administration from New York University.

Susan Shaffer Vice President - Senior Credit Officer, US Public Finance Moody's Ratings

Susan Shaffer is a VP-Senior Credit Officer on Moody’s Higher Education and Not-for Profit Team. She covers the ratings of a diverse portfolio of institutions, including Ivy League universities, large public university systems, and nationally prominent not-for profit organizations.

Prior to joining Moody’s, Susan served as Senior Vice President at New York State’s economic development agency, Empire State Development, where she oversaw economic incentive programs for New York State businesses and major educational and not-for profit institutions. Previously, she worked in admissions and marketing in the higher education sector at Tulane University and New York University as well as in recruitment at Ernst and Young Consulting. Susan holds a B.A. in Classics from Tulane University and an M.B.A. from New York University’s Stern School of Business.

Michael Osborn Vice President – Senior Credit Officer, Higher Education and Nonprofits - Public Finance Group Moody's Ratings

Michael Osborn covers a diverse portfolio of colleges and universities as well as a variety of not-for-profit organizations primarily in the Midwest and Western United States. Michael has authored various sector related publications, including the Higher Education Outlook and extensive research on the impact of cyber security in higher education. His higher education experience extends to time spent in banking and working directly for a small liberal arts college. Michael was a Vice President in the Education and Not-for-Profit practice at Wells Fargo Bank. He was also the Senior Director of Admissions and Financial Aid at a private college. Michael holds an MBA from Fordham University and a BA from Michigan State University

Patrick Ronk Analyst Moody's Ratings

Patrick Ronk is an Analyst for the Higher Education and Not-for-Profits Ratings Team.

Prior to joining Moody's, Patrick worked as a Research Associate for the Citizens Budget Commission, a think tank and good government group focused on New York City and State's public services. Prior to that, he was a Senior Associate at Cornerstone Government Affairs, a bipartisan lobbying and government relations firm in Washington, DC. Patrick holds an MPA from the London School of Economics and Political Science and a BA in Government and Politics from the University of Maryland.