Joe Scott is a Managing Director in the Financial Institutions group at Kroll Bond Rating Agency. Joe joined KBRA in 2015 and has over 20 years of financial industry experience. Scott’s rating and research experience includes domestic and international banks, broker-dealers, and alternative asset managers. Within the banking sector, he has covered a full range of banking institutions from community banks to major U.S. and international banks. Joe’s experience includes speaking at industry conferences and interacting with bank executives, institutional investors, risk managers, and the financial press. Prior to KBRA, Joe worked at Fitch Ratings, Thomson BankWatch, Corestates Bank, and Bank of Lancaster County. He received a BS degree from Penn State University.