GENERAL SESSION: Mortgage Market Trends

Executive Vice President, Chief Strategy Officer and Chief Economist, VantageScore

Prior to his current role, Dr. Bandebo served as VantageScore’s Chief Product Officer, leading the data science and technology teams. In this role, he spearheaded the development of the VantageScore 4plus and VantageScore 5.0 credit score models. Prior to VantageScore, he was the Chief Product Officer at the location data company Unacast, where he helped develop a product-driven focus during a period of exciting growth. At Clarivate (a former Thomson Reuters division), he led the product and strategy functions for MarkMonitor, leading the company’s divestiture and transition to Investcorp. Earlier in his career, Dr. Bandebo led the Analytics and Advisory teams at First Data (now a Fiserv company) where he shared insights on the consumer, financial services, retail and small business sectors as Chief Economist.

Chief Economist, Senior Vice President, Research and Business Development, Mortgage Bankers Association

Mike Fratantoni, Ph.D. is MBA’s Chief Economist and Senior Vice President of Research and Industry Technology. In this role, he is responsible for overseeing MBA’s industry surveys, benchmarking studies, economic and mortgage originations forecasts, industry technology efforts and policy development research for both single-family and commercial/multifamily markets. Additionally, Fratantoni is president and member of the Board of Directors of MISMO and serves on the CSP’s Industry Advisory Group and the membership committee of MERS. Prior to joining MBA, Fratantoni worked in the industry in risk management and senior economist roles at Washington Mutual and Fannie Mae.

Managing Director and Head of Agency MBS Research, Bank of America

Jeana Curro is Managing Director and Head of Agency MBS Research at BofA Securities, specializing in relative value across Agency pass-throughs, CMOs, mortgage derivatives and Hybrid ARMs. Jeana has held similar positions at Deutsche Bank Securities, RBS Securities, and UBS Investment Bank where she was part of the Agency Structured Products Research team consistently #1 by Institutional Investor Magazine. Jeana’s research and opinions have been regularly referenced by the Wall Street Journal, Bloomberg and HousingWire Magazine. Prior to joining Bank of America, Jeana spent five years as Portfolio Manager and Subject Matter Expert at BlackRock, as part of the Financial Markets Advisory team. Jeana graduated the University of Pennsylvania in 2004 with a Bachelor’s degree in Mathematics.

Managing Director, J.P. Morgan

John Sim, a Managing Director, is head of Securitized Products Research at JPMorgan. John has been a top ranked mortgage analyst by Institutional Investor for the past 20 years. Currently, his team is ranked #1 in 5 of 7 categories. Over his 24-year career at JPMorgan, he has covered a large range of securitized products including, agency mortgages, prepayment forecasting, mortgage credit modeling, home price forecasting and commercial real estate.