Joseph Hu is Managing Director and Director of Structured Finance Ratings Research at Standard & Poor's. He has held positions as a Managing Director and Director of Mortgage Research at Oppenheimer & Co., Inc., a Senior Vice President and Head of Mortgage Research at Nomura Securities International, Inc., Executive Vice President and Director of Mortgage Research at Shearson Lehman Hutton Inc., Senior Vice President and Head of Mortgage Research and Strategy Group at E.F. Hutton Inc., Vice President at Salomon Brothers Inc., and Economist at Federal National Mortgage Association. Dr. Hu recei...