Senior Executive with fifteen years experience in the mortgage securitization market and rating industry. Skills include the ability to work with and analyze large data sets, including economic, delinquency performance, and home prices. Experience includes the design, development and distribution of residential mortgage credit models. Projects include independent analysis of military housing, impact of natural disasters on mortgagor behavior, effect of automated property valuation model use on credit losses, among others. Uniquely able to formulate reasonable questions and test outcomes.