Joseph oversees the North American team covering specialty finance companies. From 2007 to 2022, Joseph was a lead analyst for various US financial institutions, including US regional and community banks, credit unions, Federal Home Loan Banks, commercial real estate lenders and business development companies.  

Prior to joining Moody’s Ratings in 2004, Joseph held positions at Credit Suisse, Deloitte, and Arthur Andersen. Joseph is a Certified Public Accountant and graduated cum laude from Villanova University with a Bachelor of Science in Accountancy. 

25+ years’ professional experience (including 20+ years at Moody’s Ratings).

Inna covers a portfolio of finance companies including auto lenders and aircraft lessors. Previously, Inna was an Assistant Vice President in the High Yield Corporate Finance Group.  

Prior to joining Moody’s Ratings, Inna worked at JPMorgan Chase and UBS Investment Bank. She holds a Master of Business Administration from Emory University and a Bachelor in Finance from Southern Illinois University. 

20+ years’ professional experience (including 10+ years at Moody’s Ratings).

Madhavi Bokil is an Executive Director, heading the Macro Research Team of the Credit Strategy and Standards Group. She is a member of Moody’s Macro Board and the lead author of Moody’s Global Macroeconomic Outlook.

Before joining Moody’s Ratings Madhavi held positions as Senior Economist at AIG and GE Capital, undertaking global macroeconomic analysis, forecasting and CCAR stress testing. Prior to that she held a faculty position in the Department of Economics at Clark University, where she pursued research in and taught International Macroeconomics and Monetary Economics. She holds a BA in Economics from Fergusson College, Pune, India, a MA in Economics from the University of Mumbai, India and a PhD in International Economics from the University of California at Santa Cruz.

Stephen covers a portfolio of US regional banks, non-bank finance companies, and Fannie Mae and Freddie Mac.   

Prior to joining Moody’s Ratings, Stephen led a team that covered non-bank finance companies at another rating agency. Stephen also worked in KPMG’s mergers & acquisitions group and Deloitte’s federal tax practices. Stephen holds an MBA from the UCLA Anderson School of Management and an undergraduate degree from UCLA in Business Economics and Political Science. Stephen is a CFA charter holder and holds an active CPA license. 

20+ years’ professional experience (including 4+ years at Moody’s Ratings).

Norah covers a portfolio of US regional banks and specialty finance companies. Previously Norah worked as a Rating Associate assisting lead analysts with the ratings of US regional banks, global investment banks and securities firms.

Norah holds a Bachelor of Science from Stern School of Business of New York University.

5+ years’ professional experience (all at Moody’s Ratings).

Nick covers a portfolio of specialty finance companies, including commercial real estate, non-prime consumer and residential mortgage lenders. Previously, Nick was a Ratings Associate covering global investment banks and US regional banks. 

Nick holds a bachelor’s degree in finance from the University of Connecticut. 

4+ years’ professional experience (all at Moody's Ratings).