Mark Zandi, PhD 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.

Victor Calanog, PhD Head of CRE Economics Moody's Analytics

Victor Calanog, Ph.D. CRE® is the Head of Commercial Real Estate Economics at Moody’s Analytics. He and his team of economists and analysts are responsible for the firm’s commercial real estate market forecasting, valuation, and portfolio analytics services.

Dr. Calanog's research has received awards and fellowship support from several institutions, including the Ford Foundation, the Russell Sage Foundation and the Penn Lauder Center for International Business Research.

Robby Holditch Senior Director - Solutions Specialist Moody's Analytics (212) 553-2119

Robby is a Moody’s Analytics community banking specialist and Subject Matter Expert in CECL. He is responsible for providing accounting expertise across solutions, products and services offered by Moody’s Analytics in the Americas. Robby has 15 years of experience in M&A, US federal tax and SALT, financial reporting with 8 plus years of community banking and regional banking experience.

Cris deRitis Deputy Chief Economist Moody's Analytics

Cristian deRitis, Deputy Chief Economist at Moody’s Analytics, specializes in assessing the economy’s impact on household finance, housing, credit markets and public policy. Named on two U.S. patents for credit modeling, he created loss forecasting and stress testing systems for financial institutions. He joined Moody’s in 2008, after serving as a director with Fannie Mae. He also was an adjunct professor of economics at Johns Hopkins University.

John Toohig Head of Whole Loan Trading Raymond James

John Toohig is a Managing Director at Raymond James, a Board Member and President of Raymond James Mortgage Company, Inc and Head of the Whole Loan Group.

John joined Raymond James (formerly Morgan Keegan) in September of 2006. As manager of the Whole Loan Group, John’s primary responsibilities include day-to-day trading of whole loan packages, portfolio analysis, transaction management and the structuring of whole loan, participation and various structured products. John’s product focus encompasses both seasoned and new production: residential mortgages (both QM and Non-QM), commercial mortgages, consumer lending, fintech lending, scratch and dent loans, and non-performing assets. Prior to joining the Whole Loan group at Raymond James, John was a part of the firm’s Taxable Banking platform where he was responsible for corporate debt transactions, trust preferred securities, sale leaseback transactions and ABS transactions.

Beyond his daily trading responsibilities, John is a regular speaker and content creator for various lending-related conferences and publications. He has presented at most of the major lending conferences including MBA National Secondary, SFIG Vegas / ABS West, CUNA Lending and more, and his commentary has also been featured in publications such as the Wall Street Journal, Forbes, HousingWire and DebtWire. In 2020, John contributed a chapter to “The CECL Handbook A Practitioner’s Guide” entitled “Data Collision: Efficient Lending Under CECL” which dives deep into the impact of the new accounting regulation’s impact on lending. John has created an active following on LinkedIn with regular posts and articles surrounding community lending, providing both lenders and investors with timely commentary on current trends and happenings in the primary and secondary loan markets. In addition, he showcases new lending products, technology, and credit tools as the market constantly evolves.

Mr. Toohig received his undergraduate degree from the Houghton College and his MBA from the University of Mississippi with a focus in finance and IT. John has his Series 7, 24 and Series 63 licenses. His community involvement includes currently serving as Member of the Board of Trustees for St. Agnes Academy / St. Dominic School. He is also a former chairman for both the Lafayette and DeSoto county American Cancer Society Relay for Life events and the former president of the Ole Miss MBA Alumni Board. John resides in Memphis, TN with his wife Sha, and his two daughters, Helen Grace and Cressey, while he works in Raymond James’ east Memphis branch.

Michael Brisson Senior Economist Moody's Analytics

Michael Brisson is a senior economist and associate director at Moody's Analytics. He is the lead auto economist working as a member of the Economic Research group in West Chester PA. Mike works at developing new, empirically driven auto-related products and services. Prior to leading the Moody’s Analytics auto research team, Mike built loan and vintage-level CECL, CCAR, and stress-testing models of consumer loan performance as a member of the Business Analytics group at Moody's Analytics. Additionally, Mike has spent time developing econometric models used by U.S. states and local governments for tax/revenue projections. Mike holds a PhD in applied economics from Northeastern University.