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Jenny Zhang

Senior Financial Economists
Compliance Risk Analysis Division

Yan (Jenny) Zhang is a Senior Financial Economist in the Compliance Risk Analysis Division within Economics at the Office of the Comptroller of the Currency (OCC).

Dr. Zhang’s recent search interests include the holdup problem in first-lien mortgage renegotiation by the second-lien owner, mortgage broker licensing impact on loan performance, appraisal bias in mortgage loans, fair value accounting and liquidity hoarding during the finance crisis. Prior to joining the OCC in 2008, she worked for seven years in the banking industry. She earned a Ph.D. in economics and a master’s degree in statistics from Iowa State University, and her bachelor’s and master’s degrees in economics from Fudan University in China.

  1. Zhang, Yan (2013), “Fair Lending Analysis of Mortgage Pricing:  Does Underwriting Matter?” Journal of Real Estate Finance and Economics, Vol. 46, pp. 131-151.
  2. Zhang, Yan (2013), “Does Loan Renegotiation Differ by Securitization?  A Transition Probability Study,” Journal of Financial Intermediation, Vol. 22 (3), pp. 513-527.
  1. Agarwal, Sumit, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, and Yan Zhang (2013), “Second Liens and the Holdup Problem in First Mortgage Renegotiation.”
  2. Shi, Lan and Yan Zhang (2013), “The Effect of Mortgage Broker Licensing on Loan Origination Standards and Defaults under the Originate-to-Distribute Model: Evidence from the U.S. Mortgage Market.”