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David Barnard is a seasoned professional in pricing and portfolio analysis with extensive experience in the mortgage and financial services sectors. Currently, David serves at National Mortgage Insurance Corporation since October 2015, focusing on pricing strategies and portfolio analysis. Previously, David held the position of Vice President at Wells Fargo, where oversight of loss forecasting for a $17 billion credit card portfolio was a key responsibility, along with developing pricing for home equity products across multiple channels. David's career includes roles such as Pricing Manager at PMI Mortgage Insurance and Senior Pricing Analyst at THE PMI GROUP, where significant contributions were made to pricing strategies and analysis for asset-backed securities. David holds an MBA in Finance from California State University - East Bay and a BS in Marketing from California State University-Sacramento.