Paloma San Valentin is Head of the Corporate Finance Group (CFG) in North America for Moody’s Ratings, based in New York, overseeing the development of rating opinions and research on corporates in the region. Paloma previously served as Co-Head for US and Americas CFG. From 2010 to 2014, she was a Managing Director in CFG in London, where she was in charge of the analytical teams covering a diverse portfolio of mostly consumer-facing industries including telecom, media, airlines, food processors, real estate, packaged goods, or business services. Paloma joined Moody’s in the summer of 2008, bringing 15 years of international corporate credit and banking experience. Prior to joining Moody’s, Paloma was Country Credit Risk Officer for Bank of America in Spain and responsible for the bank’s Iberian corporate credit portfolio and French general industrial clients. During her career, Paloma also spent three years at Credit Suisse, in different credit risk and investment banking capacities. Ms. San Valentin holds an MBA from Instituto de Estudios Superiores de la Empresa (IESE), Barcelona, Spain, and a BA in Business and Economics from the Free University of Brussels, Belgium.

Marisa DiNatale is a Senior Director and Head of Global Forecasting at Moody’s. Marisa oversees all forecasting and publication operations in the Economics group within Predictive Analytics at Moody’s. Her areas of specialization and research are U.S. labor markets, household balance sheets and credit, and international economics. She is a cohost of the Moody’s weekly podcast “Inside Economics”. Marisa started her career as a labor economist at the Bureau of Labor Statistics in Washington, DC. She holds a master’s degree in Applied Economics from Johns Hopkins University and a bachelor’s degree in International Relations from Boston University.

Brian Oak is a Managing Director in Moody’s Corporate Finance Group, responsible for the Technology, Media & Telecommunications, the Business & Consumer Services and the Basic Industries rating teams in the US. Prior to this, he had managerial responsibilities for a number of other industrial sectors including homebuilding, apparel and consumer durables as well as the Latin American corporates. Brian also spent several years in the Financial Institutions Group and headed its Asia-Pacific franchise based out of Tokyo. Brian is a member of the firm’s ESG Integration Council responsible for the implementation of ESG risk analysis and scoring strategy. Prior to joining Moody’s Brian was a corporate banker at The Bank of New York and an auditor with Arthur Young & Co. 

Brian received a B.S. degree in Accounting from NYU Stern School of Business and a MBA in International Finance from The Wharton School, University of Pennsylvania. He is also a certified public accountant.

Gretchen French is an Associate Managing Director in Moody’s Corporate Finance Group, with responsibility for the Technology team.

Prior to her current role, Gretchen was heading the Homebuilding, Building Materials and Packaging Team. And prior, she was an Associate Managing Director in Ratings & Research Support (RRS), where she led a team of Associate Analyst Team Managers responsible for managing support analysts in the Corporate Finance, Project and Infrastructure Finance, and Sub-Sovereign Groups in the Americas.

Before joining the RRS team, Gretchen was a Vice President - Senior Credit Officer in the Oil and Gas team in the Corporate Finance Group. In this role, she was a lead analyst on a portfolio of investment grade and high yield exploration and production, refining and marketing, midstream, drilling and oilfield services companies in the US, Latin America and Canada.

Gretchen is an active member of the Women’s Business Resource Group (WBRG) at Moody’s and previously served in role of Co-Chair of the New York WBRG.

Gretchen holds a Master of International Affairs from Columbia University and a Bachelor of Arts from Vassar College

Lenny Ajzenman is an Associate Managing Director with Moody’s Ratings, and co-heads the Technology, Media and Telecom Team within U.S. Corporate Finance. Prior to his current position, Lenny chaired rating committees for companies across a variety of industry sectors and covered a portfolio of investment and speculative grade business and consumer services companies. Lenny was instrumental in the development and rollout of Moody’s Probability of Default Ratings and Loss Given Default Assessments for speculative grade issuers and has published frequently on leveraged finance topics.

Prior to joining Moody’s in June 2004, Lenny was Vice President and Controller at MacAndrews & Forbes Group Inc. In addition, Lenny was a manager in the mergers and acquisitions and audit departments of Deloitte & Touche. Lenny holds a BBA from Baruch College and an M.B.A. from NYU Stern School of Business.

Raj Joshi is a Senior Vice President on the Corporate Finance Team. He is the lead analyst responsible for a portfolio of enterprise software, hardware and technology-enabled services companies. Raj has covered a portfolio of technology and business services companies since 2010. From 2005 to 2010, he was part of the Telecommunications and Media team. Before joining Moody’s in 2005, Raj was an International Banker at Union Bank of California (now part of Mitsubishi UFJ Financial Group).

Raj has an MBA from Syracuse University and a Bachelor of Science from the University of Mumbai. Raj is a CFA charterholder and a member of the CFA Institute and the New York Society of Security Analysts, Inc.

Carl Salas is a Vice President - Senior Credit Officer on the Technology & Services team covering a portfolio of investment grade and high yield technology issuers in a number of verticals including IT distribution, electrical manufacturing services, and hardware. Prior to his work on the Technology & Services team, Carl covered issuers in the Telecommunications & Media team where he was involved in international rating discussions of media issuers and was primary author of several Moody’s rating methodologies related to media, broadcasting, publishing, and advertising. Carl was a featured speaker at numerous industry and investor conferences focusing on media topics.

Prior to joining Moody’s in 2010, he held senior management positions on the issuer side as Treasurer of PRIMEDIA, a portfolio company of KKR, and as CFO of Creative Realities, a portfolio company of Pegasus Capital. Previously, Carl was a Managing Director and team leader in the Entertainment & Media Group of Banc of America Securities covering media, outdoor entertainment, and global cruise lines. Carl received his MBA in finance from Columbia University and AB in Biochemistry from Dartmouth College.

Justin Remsen is a VP - Senior Analyst on the Technology team covering a portfolio of investment grade and high yield technology issuers in several verticals including software, diversified technology and semiconductors. Justin has been at Moody’s for over 10 years, including roles as an analyst covering homebuilding related issuers and a team manager, leading a team of associates.

Prior to joining Moody’s in September 2013, Justin was a consultant at Accenture Consulting. Justin holds an MBA from NYU Stern school of Business, a B.S. in finance from Lehigh University, and is a CFA charterholder.

Matthew Jones is a Vice President - Senior Credit Officer within the Corporate Finance Group at Moody’s. Matthew currently specializes in the Software, Connectivity and Communications Equipment industries. Prior to joining Moody’s in 2006, Matthew spent 16 years in the banking industry including positions as Managing Director in the Leveraged Finance Group at CIBC World Markets and as Senior Vice President in the Technology Media and telecommunications group at Royal Bank of Scotland. Matthew also has an extensive background restructuring troubled credits. Matthew is a Magna Cum Laude graduate of Tufts University with a Bachelors's degree in Mechanical Engineering. He also holds an M.B.A. degree from Columbia University.

Areeb Haq is an AVP-Analyst on the TMT team within US CFG where he covers leveraged finance issuers in the software, diversified tech and tech-enabled services sectors. Areeb has been with Moody’s for over 5 years. Prior to joining the TMT team in early 2023, Areeb covered issuers throughout the consumer products, services, manufacturing, and healthcare industries as a Ratings Associate.

 Areeb holds a BBA from Baruch College and is a Chartered Financial Analyst.

Bart Walas is a Vice President – Senior Analyst on the TMT team within US CFG where he covers leveraged finance issuers in the software, diversified tech and tech-enabled services sectors. Bart has been with Moody’s for over 5 years. Prior to joining the TMT team, Bart covered issuers throughout the consumer products, services, and healthcare industries as a Ratings Associate.

 Bart holds a Bachelor of Science degree in Finance from the University of Connecticut.

José Healy is an AVP-Analyst in the Technology team of Moody’s Ratings’ Corporate Finance Group.

He covers a portfolio of high yield companies in the software, payments, and fintech sectors. He joined Moody’s in 2019 and covered companies in the Transportation & Logistics space, before transferring to the Technology sector coverage in early 2023.

Prior to Moody’s, José was a program director at the South Bronx Educational Foundation as well as an Editions Coordinator at The Wall Street Journal. 

While at The Wall Street Journal, José performed financial research on companies, industries, and markets. 

José has an MBA with a specialization in finance from Baruch College Zicklin School of Business and a Bachelor of Arts in History from the University of Dallas. 

Christopher Micallef is a Ratings Associate in Moody’s Corporate Finance Group in New York City. Since joining Moody’s Ratings in August 2022, Christopher has supported both investment grade and leveraged finance transactions, covering mainly hardware, software, and media issuers. He builds financial projections and conducts key analyses that go into assigning and maintaining ratings. Prior to joining Moody’s, Christopher was a business transformation consultant at IBM, where he worked in project management and on technology implementation for financial services clients.

Christopher Micallef holds a Bachelor of Science degree in Economics from Binghamton University and is a CFA charterholder.