Elaine is the managing director and global head of credit assessment and origination at Moody’s Analytics. She is an expert in banking risk management including model development, validation and calibration, credit portfolio performance, and implementation of credit risk management systems. Elaine previously worked in various credit risk management functions at major global banks. Before joining Moody's Analytics, she was responsible for day-to-day project management of credit risk modeling, and model implementation related to Basel. Elaine has also worked in various banking functions such as credit approval for individual obligors and groups in various industries, country risk management, and special projects related to limit implementation.