Richard joined Insight’s Fixed Income Group as a senior analyst within the Secured Finance Team in January 2015, following BNY Mellon’s acquisition of Cutwater Asset Management (Cutwater). He originally joined Cutwater in 2004 and has worked in the financial services industry since 1997. Richard’s responsibilities cover broad credit for all areas of secured finance with a particular emphasis on CMBS, CRE CLOs and non-traditional ABS sectors. In addition, Richard maintains corporate credit coverage of US real estate investment trusts (REITs). Prior to the acquisition, he led Cutwater’s structured finance credit research area across all ABS, CMBS, RMBS and CDOs and worked with the Corporate Credit Group on various real estate-related sub-sectors. Previously, Richard worked at Fitch Ratings as a REITs analyst and, before that, as a credit analyst in Fitch’s CMBS Group for three years. Richard holds a BA degree from Washington and Lee University, an MS degree in Real Estate Investment from New York University and an MBA from the Wharton School of the University of Pennsylvania. He is a CFA charterholder and also holds the designation of Financial Risk Manager (FRM) through the Global Association of Risk Professionals (GARP).