Changing Consumer Preferences
Impact on Healthcare, Higher Education, Housing and Transit sectors
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Lisa manages the US not-for-profit healthcare ratings team. As team leader, she leads a group of 11 analysts responsible for credit analysis and ratings of over 400 healthcare organizations. Lisa is a member of rating committee for the healthcare rating team as well as several other sectors within Moody’s Public Finance Group. Lisa has worked with numerous not-for-profit healthcare systems and hospitals across the country. Lisa has authored several Moody’s “Special Comments” on timely matters relating to the healthcare industry and the impact on bond ratings and is a nationally recognized speaker. Her research is frequently quoted in national trade publications and media outlets. Lisa served on the national board of directors of the Healthcare Financial Management Association (HFMA) from 2006-2009 and is a faculty member of The Governance Institute. Lisa has annually been named by “Smith’s Research and Rating Review” to the All-Star Fixed Income Research teams.
Lisa is a member of Healthcare Financial Management Association and Municipal Analysts Group in New York. Lisa received her B.A. in American Studies from Brandeis University and her M.P.A in Public Administration from New York University.
Baye Larsen is a Vice President/Senior Credit Officer for the States and High Profile Ratings Team covering credits for the states of New Jersey, Ohio, Oregon, New Hampshire, North Dakota, and Idaho, as well as the New York Metropolitan Transportation Authority and New Jersey Transit. Baye has contributed to several methodologies and authored the “Global Mass Transit Methodology” and the methodology for “State Aid Intercept Programs and Financings: Pre and Post Default”. Prior to joining the State and High Profile Ratings Team, Baye worked for the U.S. Project and Infrastructure Finance Team, where she covered a diverse portfolio of utility and infrastructure issuers, and on the Eastern Local Government Ratings Team providing ratings for local governments and water and sewer utilities. Baye received her BA in government from Georgetown University and her Master in Public Administration from New York University
Meredith is an Assistant Vice President - Analyst in the Moody’s Health Care ratings group. Her responsibilities include assigning and monitoring healthcare ratings across the United States, with a focus on the Midwest and South. Meredith specializes nationally in children’s hospitals, rural hospitals and distressed credits. Meredith is based out of the Moody’s New York Office.
Prior to joining the Healthcare Ratings Team, Meredith held roles in both the Project Management Office and Business Planning Teams at Moody’s. Previously, she worked in corporate strategy for Comcast Cable and began her career as a financial advisor with Ameriprise Financial. She received a B.A in Economics from the University of Kansas.
Michael Osborn is a Vice President/Senior Analyst for the Higher Education and Not-for-Profit Ratings Team covering a diverse portfolio of organizations throughout the US.
Prior to rejoining Moody's, Michael was a Vice President in the Education and Notfor- Profit practice at Wells Fargo Bank. Previously, he was the Senior Director of Admissions and Financial Aid at a private college in the Northeast and a Senior Loan Officer at two financial institutions. Michael holds an MBA in Finance from Fordham University and a BA in History from Michigan State University.
Ferdinand Perrault is a Vice President – Senior Analyst in Moody’s Public Finance Housing & State Revolving Funds Team. He serves as the lead analyst for state and local housing finance agency single and multifamily bond programs. In addition he maintains a portfolio of project finance credits within the housing sector. He is also the surveillance coordinator, overseeing the process of ensuring timely reviews of the team’s credit portfolio.
Prior to joining Moody’s, Ferdinand was a registered analyst at Dreyfus Mutual Funds. Ferdinand received his B.A. from Baruch College