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Cristian is a senior director who develops credit models for a variety of asset classes. His regular analysis and commentary on consumer credit, housing, mortgage markets, securitization, and financial regulatory reform appear on Economy.com and in publications such as The Wall Street Journal and The New York Times. Cristian has a PhD in economics from Johns Hopkins University and is named on two US patents for credit modeling techniques.

Related Insights

Beyond Theory: A Practical Guide to Using Economic Forecasts for CECL Estimates

In this paper, we discuss some of the options that institutions have for incorporating economic forecasts into their expected loan loss reserve calculations. We discuss the benefits and costs of each approach and provide practical recommendations based on institution size and complexity.

August 24, 2018 Pdf Dr. Sohini Chowdhury, Dr. Cristian deRitis
Presentation

Be Reasonable: Creating Supportable Forecast Scenarios for CECL

This presentation discusses the CECL requirement of reasonable and supportable forecasts. We discuss what makes an economic scenario reasonable and supportable and discusses structural forecast model methodology. We also compare customized, standard and off-the-shelf scenarios and examine forecasting credit losses.

June 2018 Pdf Dr. Cristian deRitis
Webinar-on-Demand

President Trump's Tariffs – Assessing the Impact of Various Trade Scenarios

In this webinar, Mark Zandi and our team of economists use the Moody’s Analytics Global Macroeconomic Model to assess the impact of various trade scenarios.

April 2018 WebPage Mark Zandi, Dr. Cristian deRitis, Marisa DiNatale