Glenville, CT anni.sandback@gmail.com www.linkedin.

com/in/asandback (203) 517-7447

Annika Sandback

Versatile research analyst with consumer finance background and strong interest in market research. Wide-ranging experience in primary and secondary research, communications at all levels, product development, building client relationships and project management. Original, visual thinker with an aptitude for information distillation, interpretation and explanation. Genuinely enjoy working with numbers and deriving meaning from data.

SUMMARY

SKILLS Research / Data Analytics

o Assessed credit quality of bonds backed by pools of consumer assets primarily auto loans and leases for a credit rating agency and an insurance company. Analytics focused on consumer behavior as the bonds were repaid with proceeds of consumers monthly payments. Asset analysis focused on historical repayment data, customer demographics and other predictive asset pool characteristics, macro and micro economic conditions and forecasts, industry trends and fundamentals of the companies involved. (Moodys Investors Service & MBIA Insurance Corp.)

Contributed to investment decision-making of portfolio managers in an investment banks growing asset management business. Studied companies, industries and market trends to identify undervalued US stocks. (Goldman, Sachs & Co.)

Communications
o Presented transactions to rating committees, underwriters and senior management in written reports and verbal presentations. Reports were succinct with a preference for charts and tables rather than text to illustrate key issues. (Moodys Investors Service & MBIA Insurance Corp.) Wrote many articles including, Demystifying Securitization for Unsecured Investors; 2004 Review and 2005 Outlook: Subprime and Near-Prime Auto Credits Shifting Out of Neutral into Drive? and 2003 Review and 2004 Outlook: Vehicle-Backed Securities Incentives Rule the Road. (Moodys Investors Service) Key contributor to the development, launch and presentation of several short-term structured bond investor training seminars in the US and Australia. (Moodys Investors Service)

Product Development
o Conceived, designed and marketed a line of Election 2012 dog toys as a fundraiser for Sweet Border Collie Rescue, a dog adoption organization. The toys were featured on MSNBC, CNN, POLITICO and Radio Free Europe/Radio Liberty. (Ella & Anni, LLC) Created an Excel-based monitoring system to identify and quantify key risks in the structured short-term bond market. The product, ABCP Query, remains a key component of the companys short-term structured bond research offerings. (Moodys Investors Service) Established and wrote monthly Quick Guides for short-term structured bond sales force and investors. The handbooks distilled complex bond offering documents to the salient issues. (Goldman, Sachs & Co.)

Building Client Relationships

o In my role at an insurance company, managed relationships with several key clients including Capital One Auto Finance and AmeriCredit Corp. (now GM Financial). Transactions with my clients totaled $12 billion in bond issuance, generating $43 million in revenue for the firm. (MBIA Insurance Corp.) While at a credit rating agency, managed relationships with many auto clients and the largest short-term structured bond clients. Auto clients included GMAC (now Ally Financial), Hyundai, Capital One Auto Finance and seven companies issuing structured bonds for the first time, thus requiring coaching in addition to the standard analytics and transaction structuring. Short-term bond clients included the two largest, Citibank and Bank One, with, respectively, $61 and $28 billion of bonds outstanding. (Moodys
Investors Service)

Project Management
o Managed production of redesigned packaging for a supermarket chains private label consumer goods. Worked closely with the client, artists and printers to ensure timely delivery of high-quality packaging.
(Milton Glaser, Inc.)

As co-head of the auto securitization group, produced its annual investor seminar on the auto securitization market. Selected and assigned presentation topics; mentored junior colleagues on presentation content, format and delivery and coordinated with analysts in other areas of the firm speaking on vehicle-related topics. (Moodys Investors Service) Associate editor of a quarterly publication, Moodys Global Asset-Backed Commercial Paper Market Review. Approximately 1,000 pages in length, the Review was comprised of in-depth analytical reports on over 200 short-term structured bond programs. Roughly 50% of content changed significantly from quarter to quarter. Oversaw analysts writing of reports, edited reports for content and consistency, and worked with production team to deliver product on time to thousands of global investors (Moodys Investors Service)

WORK EXPERIENCE
Owner, Product Designer Ella & Anni, LLC, Greenwich, CT Vice President Debt Capital Markets/Securitization Rabobank International, New York, NY Vice President Prime Services, Prime Cash Credit Suisse Securities (USA) LLC, New York, NY Vice President Global Consumer Asset Finance MBIA Insurance Corporation, Armonk, NY Vice President/Senior Analyst Asset Finance/Asset-Backed Commercial Paper Moodys Investors Service, Inc., New York, NY ______________ Additional experience includes: - Goldman, Sachs & Co., New York, NY - Milton Glaser, Inc., New York, NY - Mount Holyoke College, South Hadley, MA 2012 Current 2011 2010 2011 2005 2008 1995 2005

EDUCATION
Vassar College Poughkeepsie, New York Bachelor of Arts Major in Art History General and departmental honors Awarded the Gertrude Buttenwieser Prins Prize for originality, independence and excellence in the study of Art History