Cris deRitis is the Deputy Chief Economist at Moody’s Analytics. As theHead of Model Research and Development, Cris specializes in the analysis of currentand future economic conditions, consumer credit markets and housing. Hepublishes his analysis regularly and is often quoted in publications such asthe Wall Street Journal for his views on the economy. Before joining Moody’sAnalytics, Cris worked for Fannie Mae and taught at Johns Hopkins University.He holds a PhD in economics from Johns Hopkins University and is a Certified BusinessEconomist. In addition to his published research, Cris is named on two U.S. patents for credit modeling techniques.