Tim Blake is a Managing Director in the public finance group at Moody’s. Tim’s responsibilities cover state and local government ratings analysis and surveillance, and he is a point person for Moody’s on government pension analysis. Tim has over twenty years of experience in the municipal market, having worked previously as a credit risk manager and ratings advisor at a major investment bank and as a credit facility specialist at a large commercial bank. He is a graduate of the State University of New York at Albany, and is a Chartered Financial Analyst.