Harm Bandholz is the Chief US Economist for the UniCredit Group. Located in New York, he analyzes the macroeconomic environment in the US, such as the labor or the housing market, financial market issues, as well as fiscal and monetary policy actions. Dr. Bandholz advises clients on the US economic and financial market outlook, and contributes regularly to research publications. He is a frequent guest on television newscasts to comment on economic and financial issues, and is regularly quoted in the top financial newspapers. Before joining the bank, Dr. Bandholz worked as a Research Assistant in the Department of Business Cycle Analyses & Financial Markets of the Ifo Institute for Economic Research in Munich, and as a Teaching and Research Assistant at the Department of Economics of Hamburg University. Mr. Bandholz holds a Ph.D. and a Masters Degree in Economics, both from Hamburg University. He is also a CFA chartholder.