I am a seasoned leader with over 20 years experience in the mortgage, housing and credit industries. As Chief Economist for Equifax, I conduct research relating to the consumer wallet – assets, income, credit, and spending along with macroeconomic factors affecting the consumer. I am also responsible for macroeconomic forecasting, advising the Senior Leadership Team at Equifax
I am a seasoned leader with over 20 years experience in the mortgage, housing and credit industries. As Chief Economist for Equifax, I conduct research relating to the consumer wallet – assets, income, credit, and spending along with macroeconomic factors affecting the consumer. I am also responsible for macroeconomic forecasting, advising the Senior Leadership Team at Equifax on U.S. and global events relating to the company's interests, and representing Equifax with clients, the media, and the industry.
In past positions at Freddie Mac, I conducted analysis of affordable lending activities, fair-housing policy, foreclosure prevention and other policy issues affecting housing and mortgage markets. I have published numerous studies in academic journals and books on such topics as the economics of subprime lending, the impact of technology on foreclosure prevention, the market for multifamily mortgages, and strategic mortgage default. I am an accomplished public speaker, with extensive television, radio, and print media experience.
SVP - Chief Economist @ From March 2011 to Present (4 years 8 months) McLean, VAAdvisory Board Member @ Participate in regular meetings with the Policy Research Advisory Board at TRF, covering topical areas such as geospacial modeling, program evaluation, econometric theory and data quality. TRF staff do high quality research on school lunch programs (oversight of Philly's eligibility evaluation), food deserts (leading to locations for TRF's investments in fresch food initiatives and supermarkets), evaluation of Philly's foreclosure courts, delinquency and foreclosure mitigation, predatory lending, charter school initiatives (program evaluation and helping TRF decide on investment locations). Other board members include Nic Retsinas, Raphael Bostic, Mark Zandi, George Galster, Stefanie DeLuca, Paul C. Brophy, Pamela Hughes Patenaude, and John S. Summers. http://www.trfund.com/about/leadership/policy-advisory-board/ From September 2005 to Present (10 years 2 months) Greater Philadelphia AreaExecutive Director Beatty Competition @ From 2006 to 2015 (9 years) Executive Director Beatty Competition @ From 2006 to 2015 (9 years) Member Board of Directors @ Member of the Board of Directors of the primary professional association for academic and professional real estate researchers. I was on the Finance and Nominating Committees of AREUEA. January 2007-December 2011. From January 2010 to January 2013 (3 years 1 month) Gainesville, Florida AreaChair and Founding Member of the Women in Real Estate Network @ The Women in Real Estate Network (WREN) is dedicated to providing networking opportunities, mentoring and career support to women in the real estate research profession, whether academic or professional. I was part of the team of three women who proposed WREN to the AREUEA Board of Directors and successfully negotiated its incorporation into AREUEA's member activities. WREN holds two to three events per year, traditionally at the AREUEA January, National and International Conferences. From January 2008 to December 2011 (4 years) Gainesville, Florida AreaReal Estate Advisory Board @ Participate in quartrerly meetings with the CFO and Chief Economist for the City of Washington, DC, advising on growth and challenges to the DC real estate markets, including a forecast for interest rates, refinancing activity, credit quality and national mortgage policy. From March 2004 to March 2011 (7 years 1 month) Washington D.C. Metro AreaDeputy Chief Economist @ I was responsible for primary and secondary mortgage market analysis and research, macroeconomic analysis and forecasting. I was also involved in the analysis of affordable lending activities, fair-housing policy, foreclosure prevention and other policy issues affecting housing and mortgage markets.
Representing Freddie Mac, I was a frequent guest expert on national and local TV, radio and print media outlets, and speaker at professional and academic conferences around the country. I published numerous studies in academic journals and books on such topics as the economics of subprime lending, the impact of technology on foreclosure prevention, and the market for multifamily mortgages. From February 2003 to March 2011 (8 years 2 months) McLean, VAAdvisory Board Member @ Formerly known as ZC Sterling and Sterling National Corporation while I was an Advisory Board Member, QBE FPS provides hazard insurance and outsourcing services, property tax solutions, escrow solutions, voluntary consumer insurance programs, and at the time I was an advisory board member, reinsurance. I attended bi-annual meetings of the senior leadership team, advising them on macroeconomic trends and national mortgage policy. From March 2007 to December 2010 (3 years 10 months) Greater Atlanta AreaAdjunct Professor - McDonough School of Business @ Instructor in MBA program teaching microeconomic theory. From August 2008 to December 2008 (5 months) Washington, DCAdjunct Professor @ I taught Microeconomic Theory in the Masters in Public Policy program. From August 2003 to December 2004 (1 year 5 months) Baltimore, Maryland AreaDirector - Principal Economist @ From February 2001 to February 2003 (2 years 1 month) McLean, VADirector - Senior Economist @ From February 1999 to February 2001 (2 years 1 month) McLean, VAManager - Economist @ From December 1997 to February 1999 (1 year 3 months) McLean, VAAssistant Professor and Senior Policy Researcher @ I taught Microeconomic Theory, Advanced Statistics, Labor Economics and Public Finance-Expenditures (PhD course). My research was focused on the effects on family well-being from subsidized and public housing programs, income inequality, and statistical properties of populations drawn from unknown distributions. From August 1994 to December 1997 (3 years 5 months) Syracuse, NY
PhD, Economics @ University of Virginia From 1991 to 1994 MA, Economics @ University of Virginia From 1989 to 1991 Bachelor of Science (B.Sc.), Applied Mathematics @ Trinity University From 1985 to 1989 Amy Cutts is skilled in: Negotiation, Financial Modeling, Risk Management, Credit, Forecasting, Capital Markets, Analysis, Mortgage Lending, Loans, Public Speaking, Economics, Research, Credit Risk, Econometrics, Due Diligence, Policy, Valuation, Mergers & Acquisitions, Portfolio Management, Market Analysis, Foreclosures, Banking, Real Estate, Finance, Business Strategy