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Zhiyong Zhu, CFA, is a seasoned credit analyst currently serving at the National Association of Insurance Commissioners (NAIC) since November 2016, focusing on fundamental and in-depth credit analysis of various private credits held by insurance companies across multiple sectors, including corporate, banks, REITs, and public finance. Prior experience includes a role as Credit Analyst and Assistant Vice President at SpiritBank, where Zhiyong Zhu conducted comprehensive financial statement analyses and coordinated loan presentations. Earlier experience as a Financial Analyst at The Depository Trust & Clearing Corporation (DTCC) involved researching financial industry trends, contributing to strategic presentations, and developing business relationships in China. Zhiyong Zhu holds an MBA in Finance from Indiana University - Kelley School of Business.