Mingyuan (Sunny) Zhang
Solutions Architect, SAS Financial Services
Mingyuan Zhang is a solutions architect for SAS Financial Services. Over the last 10 years with SAS Institute, he has successfully developed and implemented many economic forecasting, data mining, and risk management solutions for various industries. Prior to joining SAS, he served as an economic and financial analyst for a leading telecommunications consulting firm. Mr. Zhang earned an MBA from State University of New York at Buffalo and PhD in Economics from Kansas State University, and is a member of the American Statistical Association.
By This Author
Fair Lending Compliance: Intelligence and Implications for Credit Risk Management
By Clark Abrahams and Mingyuan (Sunny) Zhang
Illustrates the importance of the interdependency between HMDA/fair lending compliance and credit risk management. Demonstrates the need for development of proper risk measurement and feedback mechanisms and continuous monitoring to ensure fair lending compliance and accurate credit risk evaluation.
Credit Risk Assessment: The New Lending System for Borrowers, Lenders, and Investors
By Clark Abrahams and Mingyuan (Sunny) Zhang
Provides a framework on how financial institutions can improve their credit assessment system. Authors Clark Abrahams and Mingyuan Zhang present a new credit risk framework for small business and consumer lending and explain how it can be implemented to improve a financial institution's credit assessment system.
Extras and Events
Clark Abrahams and Mingyuan (Sunny) Zhang discuss their groundbreaking new framework to fix the current lending system.
SAS experts Clark Abrahams and Mingyuan Zhang delve into the timely topic of their book Fair Lending Compliance: Intelligence and Implications for Credit Risk Management in a podcast interview with SAS Publishing.
Featured Authors
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Robert N. Rodriguez retired from SAS in 2018 after serving as a senior director in research and development. Bob received a PhD in statistics from the University of North Carolina at Chapel Hill and was a research statistician at General Motors Research Laboratories before joining SAS.
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Terisa Roberts is a director and Global Solution lead for Risk Modeling and Decisioning at SAS. She has extensive experience in quantitative risk management, regulatory compliance, and model governance and validation. She has worked in financial services, telecommunications, government, energy, and retail sectors.
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Ron Klimberg, PhD, is a professor at the Haub School of Business at Saint Joseph's University in Philadelphia, PA.
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Todd Case has been working in the pharmaceutical industry as a statistical programmer for over 20 years. He completed his MS in Epidemiology from Columbia University and has worked at Forest Laboratories (now Allergan), Genentech, Bristol-Myers Squibb, and Biogen. He currently works at Vertex Pharmaceuticals.