Rachael McDonald Vice President - Senior Credit Officer, US Public Finance Moody's Investors Service

Rachael McDonald is a Vice President – Senior Analyst in Moody’s Public Finance Housing & State Revolving Funds team. She serves as the lead analyst for state and local housing finance agency single and multifamily bond programs and for state clean water and drinking water revolving funds. In addition, she maintains a portfolio of project finance credits. Prior to joining Moody’s in 2006, Rachael held positions at Deloitte Consulting in New York City and The Advisory Board Company in Washington, D.C. Rachael received both her M.B.A. and Masters in Social Work from Columbia University and her B.A. from Brown University.

Cristian deRitis Deputy Chief Economist Moody's Analytics

Cristian deRitis is a senior director at Moody’s Analytics, where he conducts economic analysis and develops econometric models for a wide variety of clients. His regular analysis and commentary on consumer credit, policy and the broader economy appear on the firm’s Economy.com web site and in other publications. He is regularly quoted in publications such as the Wall Street Journal for his views on the economy and consumer credit markets. Currently he is spearheading efforts to develop alternative sources of data to measure economic activity more accurately than traditional sources of data. Before joining Moody’s Analytics, Cristian worked for Fannie Mae and taught at Johns Hopkins University. He received his PhD in economics from Johns Hopkins University and is named on two U.S. patents for credit modeling techniques.

Griselda Bisono Vice President - Senior Analyst, US Homebuilding Moody's Investors Service

Griselda Bisono is a Vice President – Senior Analyst in Moody’s Corporate Finance Group. Griselda joined Moody’s Homebuilding team in 2018 and has lead analyst responsibility for a portfolio of mostly U.S. manufacturers, distributors and building materials companies with significant exposure to the private residential sector. Griselda is also the sector specialist for the US building materials companies, where she writes regular industry research. Previously, Griselda was a member of the REIT team for 13 years where she covered a portfolio of REITs and other commercial property firms in a variety of real estate subsectors within the US, Canada and Latin America. She also previously held a variety of roles in Moody’s Finance group. Griselda holds a B.A. in Accounting from St. Joseph’s College and an M.B.A. from Baruch College, Zicklin School of Business. She is also fluent in English and Spanish

Jody Shenn Vice President - Senior Analyst Moody's Investors Service

Jody Shenn is a Vice President – Senior Analyst in the Structured Finance Group at Moody’s Investors Service. Mr. Shenn specializes in producing research across a range of both consumer and commercial asset securitization sectors. Prior to joining

Moody’s in 2015, Mr. Shenn spent nine years covering residential mortgages, securitization and other fixed-income market topics as a journalist at Bloomberg News. Prior to that, Mr. Shenn worked as a reporter and/or editor at publications

including American Banker, The Wall Street Journal and The Southampton Press. He is a graduate of Cornell University in Ithaca, New York

Edmond DeForest Senior Vice President, Corporate Finance Moody's Investors Service

Ed DeForest is a Senior Vice President on the Technology and Services team. Ed covers a portfolio of services and software companies in a range of verticals.

Ed joined Moody’s in February, 2012 from the Federal Reserve Bank of New York, where he shared responsibility for leading a team of examiners reviewing the wholesale loan portfolios of the 10 largest New York-based banks. Prior to his work at the Fed, Ed was a managing director with D.B. Zwirn, where he was the global head of asset management. While there, Ed managed the credit and illiquid risk department, with a portfolio of about $5 billion of assets under management. Ed also worked for 19 years at JPMorgan Chase, in both the credit and lending and the investment banking departments, covering a range of companies in the Technology, Telecommunications, Cable TV, Publishing and Broadcasting sectors. Ed has a B.A. from the University of Pennsylvania and his M.B.A. is from Carnegie Mellon University