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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 trusted macro and regional forecasts to help clients assess potential economic outcomes.

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

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

    Economic Data: Moody's Analytics provides comprehensive economic, demographic, and financial data at the global and regional levels.

    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.

    Upcoming Speaking Events
    March
    05
    Moody's Analytics Webinar

    Assessing the Impact of the COVID-19 Virus

    The COVID-19 virus continues to spread and the economic damage is mounting. In this webinar, we assess the global macroeconomic impact of two scenarios, although others, each darker than the next, cannot be ruled out.

    The COVID-19 virus continues to spread and the economic damage is mounting. In this webinar, we assess the global macroeconomic impact of two scenarios, although others, each darker than the next, cannot be ruled out.

    March
    25
    Dallas, TX

    Dallas Economic & Credit Outlook Conference

    Dallas Economic & Credit Outlook Conference

    Dallas Economic & Credit Outlook Conference

    March
    26
    San Antonio, TX

    San Antonio Economic & Credit Briefing

    San Antonio Economic and Credit Briefing

    San Antonio Economic and Credit Briefing

    Published Work
    Webinar-on-Demand

    Briefing on the CCAR Scenarios

    Following the release of the Comprehensive Capital Analysis and Review (CCAR) scenarios for 2020, join Mark Zandi and the Moody's Analytics team as they discuss the narratives behind the Fed's scenarios.

    February 2020
    Webinar-on-Demand

    Coronavirus - The Global Economic Threat

    The outbreak has already become highly disruptive to China; the U.S. will not be immune.

    February 2020
    Webinar-on-Demand

    2020 U.S. Macro Economic Outlook: Two Economies

    The U.S. economy is being buffeted by significant cross-currents.

    January 2020
    Webinar-on-Demand

    2020 U.S. Economic & Consumer Credit Outlook

    Cris deRitis, Chief Deputy Economist with Moody's Analytics discusses the current and anticipated trends in U.S. economic and household credit conditions.

    December 2019
    Webinar-on-Demand

    A Global Recession: Key Indicators and Implications

    How should we prepare for the next recession?

    November 2019
    Presentation

    Mission Possible: Producing Defendable CECL Results With or Without Models

    Learn to differentiate C&I, CRE, retail, and securities. Choose approaches at the right level of flexibility and sophistication. Apply model-free solutions based on historical internal or industry data.

    November 2019