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    Cristian deRitis

    Leading economist; recognized authority and commentator on personal finance and credit, U.S. housing, economic trends and policy implications; innovator in econometric and credit modeling techniques.

    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.

    education
    Michigan State University: BA, Economics
    The Johns Hopkins University : PhD, Economics
    The Johns Hopkins University : MA, Economics
    Honors & Awards
    • Named on two U.S. patents for credit modeling techniques
    • Certified Business Economist (CBE) by the National Association for Business Economics
    Expertise
    solutions

    Credit Risk Modeling: Moody’s Analytics delivers award-winning credit models and expert advisory services to provide you with best-in-class credit risk modeling solutions.

    Current Expected Credit Loss Model (CECL): Moody’s Analytics provides tools for the most crucial aspects of the expected loss impairment model, with robust solutions to aggregate data, calculate expected credit losses, and derive and report provisions.

    Economic Forecasts: Moody's Analytics provides comprehensive macro & regional economic forecasts to help clients from various industries assess potential economic outcomes.

    Economic Scenarios: Moody's Analytics provides internally & globally consistent economic, regulatory, and custom scenarios. Explore the economic scenarios tool.

    Economic Research: Moody's Analytics provides comprehensive economic analysis to help clients understand key economic drivers across all geographic levels. Learn more.

    Economic Data: Moody's Analytics provides comprehensive economic data solutions, demographic & financial data at the national & regional level. Find out more about economic data.

    Economic Capital : Moody’s Analytics insurance economic capital solution provides critical insights that help evaluate solvency positions and risk-based decision making.

    TOPICS

    Economic Forecasts: Forecasts potential economic outcomes on the performance of businesses and investments.

    Econometric Modeling: Fully transparent econometric and statistical models to assess performance of geographies, financials and various asset classes.

    Economic Risk Assessment: Quantitative economic assessment to help you understand the impact of forward-looking changes on the performance of your business and portfolios.

    Loss Accounting: CECL: New credit loss accounting standard that replaces the current ALLL accounting standard.

    Stress Testing: US: Examination of the possible impact of an adverse scenario on a firm and/or industry.

    Published Work