Ronald Joas

About Ronald Joas

I work with our analysts to provide essential and innovative insight to credit markets. We synthesize complex credit information, through the combination of analytical insight with advanced quantitative capabilities, into world class criteria. Previously, I lead teams of analysts responsible for analyzing multiline insurance companies; advancing criteria development within the property and casualty sector; and improving analytical quality. During the height of the financial crisis, as the mortgage insurance sector lead analyst, I lead the development of new criteria and thought leadership for the mortgage insurance sector. I joined Standard & Poor’s from PricewaterhouseCoopers LLP’s National Risk & Quality Office, where I utilized my commercial and personal lines underwriting background to advise insurance and non-insurance entities on a variety of financial accounting matters. Specialties: Hybrid debt instruments; insurance capital modelling and regulatory requirements; insurance company analytical and ratings criteria for life, health, property/casualty and other insurance sectors. Property/casualty underwriting (commercial and personal lines) and operations experience; GAAP/STAT accounting; complex financial instruments (debt/equity/derivatives/embedded derivatives/share repurchase agreements, etc.); auditing; internal controls. CPA; Chartered Property and Casualty Underwriter (CPCU)

Experience

1. Managing Director

   S&P Global

   Apr 2015 — Present · New York, NY, US

Education

• NYU Stern School of Business

  MBA, Finance/International Business

  1994 — 1997

• University of Colorado Denver

  BS, Finance/International Business

  1985 — 1989

Skills

• Insurance
• Financial Risk
• Us Gaap
• Finance
• Underwriting
• Accounting
• Risk Management
• Financial Reporting
• Corporate Finance
• Financial Accounting
• Mergers & Acquisitions
• Capital Markets
• Analysis
• Financial Modeling
• Financial Services
• Financial Analysis
• Auditing