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Henrietta Chang

Vice-President/Senior Credit Officer

Hetty joined Moody’s as an analyst in 2003 and is currently a Team Leader and co-manager of the Chicago Office. She is responsible for a team of analysts covering public finance local government credits in the Midwest, focusing on Ohio, Minnesota, Missouri, North Dakota, Kansas, and Nebraska. In addition to overseeing a portfolio of ratings, she is a member of various internal committees and has contributed to several methodologies. She is currently a member of the Board of Directors of Women in Public Finance. Prior to joining Moody's, she was a senior consultant at KPMG LLP in their Dispute Advisory Services practice, providing accounting, valuation, and litigation arbitration services to corporate and public sector clients. Hetty has a BS in Human Development from Cornell University and an MS in Urban Policy from the New School University in New York City.