Credit risk analysis and allowance/PCL forecasting.

• Applied in-depth analyses to make relative value and investment recommendations for global institutional investors, including pensions, money managers, hedge funds, high-net-worth retail, and governments.• Created or contributed to 20+ different publications, including recurring surveillance tools, weekly market overviews, longer focus articles, and product primers.• Was among the first in the industry to identify a need for information about regulatory developments, and created a widely-read quarterly publication to address this information void. • Contributed to Deutsche Bank's U.S. home price forecasts (started in 2007), one of the few such analyses at the time to correctly predict the dramatic downturn in U.S. home prices. • Frequently selected by superiors to represent the group as a speaker at industry conferences, to groups of clients, to financial regulators, and to senior members of Deutsche Bank.• Organized multi-day due diligence visits and "investor days" at consumer credit companies.

Structured asset-backed fixed income securities collateralized by receivables. Presented proposals to clients for asset-backed transactions economically suitable for the company's objectives.Created optimal financing structures, analyzing characteristics of the collateral available to be pledged and the desired financing term of the financing (commercial paper vs. term debt). Also assisted with the sale/syndication process. Analyzed potential asset sales and purchases, including on-site due diligence of the assets to be sold (in conjunction with CSFB's Financial Institutions Group).

Determined required enhancement levels for asset-backed debt collateralized by bank and retail credit card receivables. Published analyses of rated transactions. Also assigned credit ratings and published transaction analyses for more than forty municipal debt offerings.