Franck Bekaert Emerging Markets: Eastern Europe, the Middle East, Africa, and Latin America   Has more than 30 years of experience in Fixed Income. Prior to Gimme Credit he served as Fixed Income Credit Sales at GFI Securities, Paris for 9 years. Mr. Bekaert previously worked as head of high yield bonds and CDS trading at Natixis, Paris, Portfolio Manager at Bluecrest Capital Management in London and Credit Trader at Societe Generale, London. He earned a master's degree in finance at the University Pantheon Sorbonne in Paris.

Alexandre Dray Emerging Markets: Eastern Europe, the Middle East, Africa, and Latin America   has 9 years experience in credit analysis. Prior to Gimme Credit he served as Senior Credit Analyst, High Yield and Convertible Bonds at Spread Research for 7 years. Mr. Dray was a Financial Analyst at Conexant Systems, Inc. and Consolidation Accountant at RCI Banque (Renault Group). He earned an MSC in Finance at SKEMA Business School.

Mark Flanagan, CFA Investment Grade: Banks, REITS   has over 35 years of experience as a credit analyst. He was a senior analyst at Wellington Management Company for sixteen years, where he was elected as a partner in 2014. Prior to this, he held analyst positions at State Street Global Investment Advisors, Independence Investments, and Putnam Investments. Mark earned a Bachelor of Science degree from Allegheny College and a Master of Business Administration degree from Boston University.

Jay Cushing, CFA Investment Grade/Crossover: Automotive, Basic Industries, Services   has 27 years of experience as a credit analyst at buyside firms, primarily at Putnam Investments. He earned his B.A. from Colgate University, and his M.B.A. from Cornell University.

Carol Levenson, CFA Investment Grade: Retailing and Leisure, Healthcare, Tobacco, Capital Goods, Electric Utilities, Household Products   has 40 years of experience as a credit analyst. She has been Director of Research at Gimme Credit since co-founding it in 1994. Prior to this 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.

Evan Mann, CFA High Yield: Metals and Mining, Chemicals, Energy, Aerospace and Defense, Automotive,Retailing   has 28 years of experience as a credit analyst with Gimme Credit High Yield, Delaware Investments, Banc America Securities, Dillon Read and Lord Abbett. He earned his B.A. from Washington University and his M.B.A. from Hofstra University.

Kim Noland High Yield: Telecom, Gaming, Leisure, Consumer Products, Retail, Paper & Forest Products, Broadcasting & Cable, Media   has 30 years of experience in credit analysis of high yield and distressed securities. She has been 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. She earned her B.A. from Wellesley College, her J.D. from Indiana University and her M.B.A. from Harvard University.

Stuart Novick, CFA High yield: Technology, Telecommunications, Satellites, Industrials   Stu has 30 years of experience on Wall Street. Prior to joining Gimme Credit, Stu spent nine years at Invesco as a Senior Analyst helping manage the firm's convertible bond mutual fund. He worked as a High Yield Credit Analyst at Debtwire and then moved on to Bloomberg where he worked as a Senior Credit Analyst covering special situations for the Bloomberg Intelligence (BI) team. His first 18 years on Wall Street were at Citigroup, as a convertible bond analyst on the convertible securities sales & trading desk where he was a Director. He has a B.S. degree in Business Administration/Psychology from the University at Albany and an MBA degree from Columbia Business School.

Dave Novosel, CFA Investment Grade and High Yield: Telecommunications, Media, Technology, Food and Beverage, Pipelines   has 27 years of experience in credit analysis, as Head of Investment Grade Research at Banc One Capital Markets and as an analyst at Everen Securities and Metropolitan Life. He earned his B.A. from Yale University and his M.B.A. from Northwestern University.

Saurav Sen, CFA Emerging Markets: Asia (including China)   has over 18 years of experience as a Research Analyst covering multiple asset classes. He started his career as a quantitative analyst at a premier long-short global equity fund. About 12 years ago, Mr. Sen switched to the Fixed Income side, first as a yield Bond Analyst in Deutsche Bank´s Asset Management group and then as Vice President of research at a boutique alternative credit fund in New York. Most recently, he was a Founder and Research Analyst at The Buylyst, which provides automated analytics for fundamental research analysts. Mr. Sen earned his Bachelor of Science degree in Economics and Mathematics from The University of Michigan, Ann Arbor, and his MBA from Carnegie Mellon University´s Tepper School of Business.

T.L. Tsang, CFA Investment Grade/Crossover Energy, Healthcare   has 22 years of experience at a leading buyside firm, Putnam Investments. T.L. has a B.A. from Amherst College and an MBA from Columbia Business School.

Terri Cancelarich, CFA Investment Grade: Insurance, Asset Managers   has over thirty years of experience as a credit analyst. Terri was a credit analyst at Wellington Management Company for more than twenty years. Prior to this, she held credit analyst positions at SunLife Financial and Putnam Investments. Terri earned a bachelor of Science degree from Boston University.