Sajjad Alam is a Vice President – Senior Credit Officer in the Corporate Finance Group at Moody’s Investors Service in New York. As a member of the Oil & Gas Team, he currently covers a portfolio of investment grade and high yield E&P, midstream, drilling and oilfield services companies. Sajjad joined Moody’s in 2006 and spent the first two years analyzing companies in the North American Metals and Mining and Paper and Forest Product industries as an Associate Analyst. Prior to joining Moody’s, Sajjad was a Senior Manager at Scotiabank’s Global Risk Management Group in Toronto responsible for evaluating and improving the bank’s internal credit risk framework for different industry groups. Previous to that, he held various analytical, accounting and management reporting positions at Deutsche Bank, The Bank of New York and Morgan Stanley. Sajjad has an MBA in Finance from York University in Toronto, and a B.S. in Accounting and Economics from The University of Tennessee at Knoxville. He is also a CFA charterholder, a Certified Public Accountant and a Financial Risk Manager.