Valerie White

Senior Director, U.S. Public Finance
Standard & Poor's Ratings Services
Biography

Valerie White, senior director, is the analytical manager and team leader for the U.S. Public Finance Ratings group, focusing on tax-exempt housing. She manages a team of credit professionals providing ratings and credit analysis on tax-exempt housing and affordable real estate.

Valerie is responsible for maintaining analytical quality, advancing ratings criteria development for affordable housing, publishing industry commentaries, and market outreach. She also is the primary analyst for a number of state housing finance agencies. Previously, Valerie was the business sector leader for affordable multifamily housing and real estate ratings.

Prior to joining Standard & Poor’s, Valerie was employed with the City of New York for 14 years, the last eight years of which were spent with the New York City Housing Authority as Deputy Director of Asset Management and Private Market Operations. In that role, she managed the design, development, and implementation of three multimillion-dollar urban revitalization projects.

Valerie earned a Bachelor of Arts in Communications from Fordham University, a Masters of Human Resources from Milano The New School for Management and Urban Policy, and a Juris Doctorate from Fordham University, where she was managing editor of the Fordham Urban Law Journal. Valerie holds a Certificate in Organization Development from The New School University’s Graduate School of Management and Urban Professions.

Valerie is a member of the National Federation of Municipal Analysts and Municipal Analysts Group of New York. She is listed in the 2009 inaugural edition of Who’s Who in Black New York City and was featured as one of the "25 Influential Black Women in Business" in The Network Journal. Valerie has published numerous articles, has been quoted in several major publications, and is frequently called upon to speak on affordable housing. She was one of the 25 U.S. delegates chosen to speak at the 2006 Tri-Country Housing Conference in Edinburgh, Scotland, and was featured on a special U.S.-focused panel at the 2010 International Social Housing Summit in Hague, The Netherlands.

Author Archives: Valerie White

The Trends Shaping U.S. Housing Finance Agencies

U.S. Mortgages Hot Topics Seminar

Please join us on Thursday, June 27, 2013 to discuss hot topics in the U.S. mortgages sector. Speakers will include senior analysts from Standard & Poor’s Ratings Services’ Structured Finance commercial and residential mortgage-backed securities, U.S. Public Finance Housing and Financial Institutions ratings teams. Our program also features notable guest speakers from the industry. Register […]

U.S. Housing Recovery Is Taking Hold, But Analysts Say Challenges Remain

After years of tenuous signals, the U.S. housing recovery is now finally on better footing, said credit analysts and researchers at the Standard & Poor’s Ratings Services’ Housing and Commercial Real Estate Roundtable, held on April 9, 2013, in San Francisco. Why is this time different? The most critical indicator is home prices, which increased […]

U.S. Housing And Residential Mortgage Finance 2013 Outlook: The Nascent Recovery Is Likely To Continue

The U.S. housing market continues to show signs of recovery, outpacing the relatively weak U.S. economic recovery. Standard & Poor’s baseline forecast assumes that the U.S. economy will continue to grow slowly in 2013, avoiding any substantial negative economic impact from the looming fiscal cliff and growing federal deficit. The U.S. economy grew 3.1% in […]

Why The FHA’s Reserve Shortfall Won’t Likely Affect U.S. Public Finance Housing Ratings

The Fiscal Cliff Could Have Far-Reaching Effects On Municipal Housing

The fiscal cliff — a combination of an 8.2% spending cut and various tax increases that the U.S. could enact if Congress doesn’t address the federal government’s growing debt — could have far-reaching effects on U.S. municipal housing given the sector’s many links to the federal government. The federal government’s activity in the housing market […]

Increasing Equity Helps U.S. Housing Finance Agencies Counter Low Profitability

U.S. housing finance agencies (HFAs), whose primary goal is to provide affordable housing, have seen their profitability (as a result of ongoing low interest rates) and loan performance deteriorate since 2008. Standard & Poor’s Ratings Services believes this trend will continue and possibly lead to negative rating actions in the absence of alternative revenue sources. […]

U.S. Housing Finance Agencies Tap Alternative Funding Sources To Counter Changing Market Conditions

S&P’s Housing Conference: Different Fundamentals for Housing Finance

Standard & Poor’s Ratings Services’ U.S. Public Finance Housing Conference brings together respected industry participants with our team of housing analysts to discuss key topics in the affordable housing industry. The 2012 conference theme is “A New Foundation: Different Fundamentals for Housing Finance.” The conference will be held April 30-May 2, 2012, in Huntington Beach, […]

A New Foundation: Different Fundamentals for Housing Finance

Standard & Poor’s Ratings Services’ U.S. Public Finance Housing Conference brings together respected industry participants with our team of housing analysts to discuss key topics in the affordable housing industry. The 2012 conference theme is “A New Foundation: Different Fundamentals for Housing Finance.” The conference will be held April 30-May 2, 2012, in Huntington Beach, […]

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