Maria Mutuc-Hensley

Maria Mutuc-Hensley is a highly experienced quantitative credit risk modeler currently employed at Virginia Credit Union since January 2023. Previously, Maria served as a senior economist at Ford Motor Company, focusing on macroeconomic surveillance and industry forecasting for South America. With over a decade of experience at Ford and Ford Credit, Maria has developed and led various econometric models, credit loss forecasting processes, and utilized advanced statistical techniques for comprehensive economic analysis. Academic qualifications include a PhD in Agricultural and Applied Economics from Texas Tech University, along with multiple degrees in Economics and related fields from Virginia Tech and the University of the Philippines Diliman. Maria's early career included roles at Texas Tech University's Cotton Economics Research Institute and the Asian Development Bank, emphasizing research and economic consultancy.