Phil Adams, CFA (Investment Grade: Utilities, Energy) has 30 years of experience in credit analysis with Banc One Capital Markets, ABN-AMRO, BancAmerica Securities and Continental Bank. Adams earned his A.B. and M.B.A. from Indiana University.

Vicki Bryan (High Yield: Airlines, Healthcare, Homebuilding, Building Products, Transportation, Food & Restaurants) has 22 years of experience in the investment industry with 12 years covering high yield and distressed companies across a wide variety of industries. She was a senior analyst and partner with AIM Investment Management, and an independent management consultant advising in financial strategy to distressed and emerging growth companies. Bryan earned her M.S. in finance from University of Houston, where she also served as adjunct professor.

Evan Mann, CFA(High Yield: Retailing, Aerospace and Defense, Metals and Industrial Services) has 20 years of experience as a credit analyst with Gimme Credit High Yield, Delaware Investments, Banc America Securities, Dillon Read and Lord Abbett. Mann earned his B.A. from Washington University and his M.B.A. from Hofstra University.

B. Craig Hutson, CFA (Investment Grade: Automotive, Food & Beverage, Consumer Products, Transportation) has 20 years of experience in credit analysis. He was formerly Head of U.S. Investment Grade Research for UBS Global Asset Management and its predecessor firm, Brinson Partners. Hutson also served as a portfolio manager, trader and credit analyst at Brinson and The First National Bank of Chicago. He earned his B.A. from Duke University and his M.B.A. from The University of Chicago.

Carol Levenson, CFA (Investment Grade: Basic Industries, Retailing and Leisure, Healthcare) has 25 years of experience as a credit analyst. She is Director of Research at Gimme Credit since co-founding it 15 years ago. Levenson spent 10 years as a senior bond analyst for Harris Investment Management. She earned her B.A. from New College and her M.A. in English and M.B.A. from The University of Chicago.

Shelly Lombard (High Yield: Automotive, Broadcasting & Cable, Media, Industrials) has 22 years of experience as a credit analyst and portfolio manager of high yield and distressed corporate securities with Chase Manhattan, ING Capital, Drexel Burnham Lambert and Citibank. Lombard earned her B.A. from Simmons College and M.B.A. from Columbia University.

Kimberly Noland, Esq. (High Yield: Telecom, Gaming, Leisure, Consumer Products, Retail, Paper & Forest Products) has 23 years of experience in credit analysis of high yield and distressed securities. She is Director of High Yield Research at Gimme Credit since 2002. Noland was formerly Head of Distressed Research at Salomon Brothers, Managing Director of High Yield and Emerging Markets Research at CIBC/Oppenheimer, Director of High Yield Trading at Merrill Lynch and Head of Bankruptcy Research at Bear Stearns. Kim earned her B.A. from Wellesley College, her J.D. from Indiana University and her M.B.A. from Harvard University.

Dave Novosel, CFA (Investment Grade and High Yield: Telecommunications, Media, Technology) has 19 years in credit analysis, as Head of Investment Grade Research at Banc One Capital Markets and as an analyst at Everen Securities and Metropolitan Life. Novosel earned his B.A. from Yale University and his M.B.A. from Northwestern University.

Kathleen Shanley, CFA (Investment Grade: Banks, Brokers, Finance, Insurance, Real Estate) has 22 years of experience in credit research as senior bond analyst for finance at Gimme Credit since 1999 and as senior analyst at BankAmerica Corporation. Shanley earned her B.A. from Georgetown University and her M.B.A. from the Wharton School of the University of Pennsylvania.