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Michael S

Credit Analyst - 20 Years of Experience - Near 07666

Occupation:

Credit Analyst

Location:

Teaneck, NJ

Education Level:

Master

Will Relocate:

YES

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PROFILE Accomplished senior credit professional with expertise evaluating credit quality of public finance and RMBS securities. Established record of achievement in identifying risk and offering insightful credit analysis and research across multiple credit cycles. Extensive experience interacting with investors to explain credit risk associated with complex transactions. Ability to condense complex financial data into a readable format and present evidence-based opinions regarding financial health and creditworthiness of new and existing clients.

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COMPANY POSITION HELD DATES WORKED

S&P Global Rating Agency Senior Director 4/1990 - 3/2017
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SCHOOL MAJOR YEAR DEGREE

Fairleigh Dickerson University Finance 1987 Master Degree
Queens College, CUNY Biology 1981 Bachelor Degree
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Highlights:

● Assigned downgraded cities to credit watch and provided analysis of issues oftentimes resulting from lack of financial discipline ● Evaluated the credit of hundreds of California-based redevelopment agencies (RDAs) based on new laws or guidelines ● Chaired over 350 credit ratings assigned to counties and cities nationally
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● Analyzed legal security pledged to general obligation bonds and certificates of participation to assign rating for creditworthiness ● Evaluated economic base and financial performance of issuers, including cities, counties, and special districts on the West Coast ● Assessed government structure and management’s performance of budget management capabilities ● Reviewed credit quality of collateral and sufficiency of cash flow, as well as adequacy of reserves vs. estimated losses on collateral
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