Karl is a member of the Municipal Enterprise Group and has analytical responsibility for healthcare, higher education, and charter school credits throughout the United States, while acting as one of the primary analytical contacts for the southwest region. Before joining Standard & Poor�s in 2007, Karl was a Vice President with Allied Irish Banks for several years with responsibility for establishing business relationships to the healthcare, education, and not-for-profit sectors with a regional focus on the southwest, particularly in Texas, Oklahoma, and Arkansas. In addition to business development, Karl was responsible for portfolio oversight and underwriting for accounts under his regional management. Prior to his tenure with Allied Irish Banks, Karl held healthcare banking positions at Comerica Bank, and Rabobank International, as well as business development positions with the Dallas office of Ernst and Young. Karl holds an MBA from Southern Methodist University and a Bachelor of Science from Texas A&M University
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