Patrick Welch is the Chief Credit Officer of Kroll Bond Rating Agency. Welch joined the company from Goldman Sachs, where he served as a Vice President within the credit risk management and advisory department and Deputy Chief Credit Officer for GS Bank, USA. In addition to managing credit risk, Welch also developed policies and procedures for the credit group and interfaced regularly with regulators. Prior to joining Goldman Sachs, Welch spent seven years in the structured finance group at S&P rating numerous asset classes and managing groups. He began his career as an analyst at Security Pacific National Bank. Welch holds a BS and an MBA from Cornell University.