Featured Product

    Dr. Deniz Tudor

    Deniz is a director in the credit analytics group. She develops and stress tests credit models in various consulting projects.

    She has extensive experience in modeling residential, auto, and credit card loans. Deniz has a PhD from the University of California, San Diego and BA degrees in economics and business administration from Koç University in Turkey.

    Expertise
    solutions
    Moody's Analytics | Credit Assessment

    Credit Assessment: Automating the process of financial spreading and credit scoring increases loan application volume and helps lenders make better credit decisions.

    Moody's Analytics | Credit Monitoring

    Credit Monitoring: Proactively monitoring the financial health of borrowers and the risk level of your loan portfolio increases the profitability of your lending business.

    Moody's Analytics | Credit Research

    Credit Research: Tap directly into comprehensive credit research from Moody's Analytics and our sister company, Moody's Investors Service, and gain detailed insights into our views on credit-related topics.

    Moody's Analytics | Credit Risk Advisory Services

    Credit Risk Advisory Services: Moody's Analytics credit risk advisory services enable faster, better informed credit decisions through a holistic and consistent assessment of risk.

    Moody's Analytics | Credit Modeling

    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.

    Moody's Analytics | CECL

    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.

    Published Work
    Article

    A Comparative Analysis of Household Credit Data From the New York Fed and Moody's Analytics

    The importance of accurate and timely data on household credit conditions became clear during the global financial crisis. Quickly rising delinquencies and foreclosures should have been a warning to lenders and regulators to significantly tighten the spigot on new lending that was wide open during the pre-crisis boom. However, partially due to data limitations, many financial institutions were surprised by the weakening of household balance sheets. By the time they realized the severity of the problem, it was too late to act.

    August 2019
    Webinar-on-Demand

    Moody's Analytics Webinar: U.S. Consumer Credit Outlook

    Join Moody's Analytics' Scott Hoyt and Deniz Tudor, as they discuss the current and anticipated trends in household credit conditions based on data from Equifax.

    June 2019
    Webinar-on-Demand

    Moody's Analytics Webinar: U.S. Consumer Credit Outlook

    Listen as Moody's Analytics Scott Hoyt and Deniz Tudor, discuss the current and anticipated trends in household credit conditions based on data from Equifax. Key topics include:

    February 2019
    Webinar-on-Demand

    CECL for Consumer Lending Portfolios - Checklist

    As internal model development and use of vendor models for CECL submission are fast in progress for those submitting by January 2020, our analystsreview a checklist that will help you organize CECL project plans.

    November 2018
    Webinar-on-Demand

    CreditForecast.com: U.S. Consumer Credit Outlook

    Moody's Analytics subject matter experts Scott Hoyt and Deniz Tudor discuss the current and anticipated trends in household credit conditions based on data from Equifax and forecasts from Moody's Analytics.

    August 2018
    Presentation

    CreditForecast.com: U.S. Consumer Credit Outlook

    Moody's Analytics subject matter experts Scott Hoyt and Deniz Tudor discuss the current and anticipated trends in household credit conditions based on data from Equifax and forecasts from Moody's Analytics.

    August 2018