|Meredith Ann Whitney|
|Born||November 20, 1969|
|Alma mater||Brown University|
|Occupation||Chief Investment Officer|
|Employer||[Kenbelle Capital LP]|
|Spouse(s)||John Layfield (2005-present)|
Meredith Ann Whitney was born November 20, 1969 and grew up in New Jersey. She is the co-founder and Chief Investment Officer of Kenbelle Capital LP, a hedge fund based in New York City.
Education and career
Whitney graduated from The Madeira School in 1987 before doing a post-graduate year at The Lawrenceville School. She was a member of the first co-ed graduating class of The Lawrenceville School. She graduated with honors from Brown University.
Whitney joined Oppenheimer in 1993 as a Director and in 1995, she joined the company's Specialty Finance Group. In 1998, she left Oppenheimer to become the Executive Director of Wachovia. Whitney returned to Oppenheimer in 2004, where she covered banks and brokers as a Managing Director. She resigned from Oppenheimer on February 19, 2009 to establish her own firm, Meredith Whitney Advisory Group LLC where she produces company-specific equity research on financial institutions and analyzes the sector's operating environment. In 2013, Whitney started her own hedge fund, Kenbelle Capital LP.
Rise to fame
Whitney wrote a particularly pessimistic, but accurate, report on Citigroup on October 31, 2007, to which many Wall Street analysts, and the news media, paid attention. She has since followed this report with similar reports and predictions. One of her claims is that goodwill is built into a lot of companies' share prices, and that as the market moves into dark times, this goodwill will dissipate.
Whitney wrote her first book, [Fate of the States: The New Geography of American Prosperity], which came out on June 4th, 2013.  Whitney explains how the fiscal sins of the past are beginning to transform the U.S. economy along regional lines. And she shows how America is moving into a new era in which wealth, power, and opportunity flow away from the coasts and toward the central corridor.  
In 2007, Forbes.com's "The Best Analysts: Stock Pickers" listed Whitney as the second best stock picker in the capital-market industry and the New York Post named her one of the fifty most powerful women in New York city.
Whitney's extremely bearish view on banks landed her on the cover of the August 18, 2008, issue of Fortune Magazine. Even before the problems that befell Merrill Lynch and Lehman Brothers in September, she said, "It feels like I'm at the epicenter of the biggest financial crisis in history, however even a broken clock is right twice a day". In October 2008, Whitney was ranked as one of Fortune 500’s “50 Most Powerful Women in Business.” In 2008, she won CNBC's "Power Player of the Year" over Jamie Dimon, Ben Bernanke, and Hank Paulson.
On December 19, 2010, in an interview on the CBS program 60 Minutes, Whitney stated that between fifty and a hundred counties, cities, and towns in the United States would have "significant" municipal bond defaults, totaling "hundreds of billions" of dollars in losses, and that this would be "something to worry about within the next 12 months". Since the record amount of money lost in one year through municipal bond defaults is $8.2 billion, Ms. Whitney's comments about hundreds of billions in losses drew a great deal of attention, much of it critical. As of July 2013, "[her] prediction has not materialized", save the recent bankruptcy of Detroit ($18 billion).
According to Vanity Fair writer Michael Lewis, in his November 2011 article, California and Bust, "But that’s not at all what she had said: her words were being misrepresented so that her message might be more easily attacked. “She was referring to the complacency of the ratings agencies and investment advisers who say there is nothing to worry about,” said a person at 60 Minutes who reviewed the transcripts of the interview for me, to make sure I had heard what I thought I had heard. “She says there is something to worry about, and it will be apparent to everyone in the next 12 months.” In May 2012,Financials Timesnamed Meredith Whitney number as one of the 10 stock pickers in the U.S. in the special report, "World's Top Analysts". 
"A tale of two Americas is emerging: one weighed down by debt and facing de minimis economic growth and another brimming with opportunity and nimble to invest in the future." This is the thesis to Whitney's book, Fate of the States: The New Geography of American Prosperity.  She argues that a "new map of prosperity" is emerging in the wake of the bust, with jobs moving away from the coasts and toward 17 "central corridor" states in the Midwest and Mountain West.
- "Weddings/Celebrations; Meredith Whitney, John Layfield". New York Times. February 12, 2005. Retrieved 2005-02-13.
- "Prominent Oppenheimer bank analyst Whitney resigns". Reuters. February 19, 2009.
- Michael Lewis. "The Rise and Rise of Analyst Meredith Whitney".
- Philip Goldstein (November 2, 2007). "Meredith Whitney: The $360bn analyst". The Times (London). Retrieved May 12, 2010.
- ((cite web|url=http://www.amazon.com/Fate-States-Geography-American-Prosperity/dp/159184570X/)
- "Forbes.com: The Best Analysts-Stock Pickers".
- "JBL's wife named one of NY Post's 50 Most Powerful Women in NYC".
- Birger, Jon (August 4, 2008). "The Woman Who Called Wall Street's Meltdown and What She Sees Next...". CNN. Retrieved May 12, 2010.
- James Jacoby (producer), Steve Kroft (reporter), Meredith Whitney (interviewee) (December 19, 2010). State Budgets: Day of Reckoning. 13 minutes in. Retrieved 22 October 22, 2012. "It'll be something to worry about within the next 12 months."
- "Meredith Whitney Overreaching With Muni Bond Meltdown Call".
- ((cite web|url=http://www.meredithwhitneyllc.com/press.php))
- ((cite web|url=http://finance.yahoo.com/blogs/daily-ticker/meredith-whitney-7-best-states-business-economic-growth-173149429.html)
- ((cite web|url=http://www.usatoday.com/story/money/business/2013/06/05/meredith-whitney-book-interview/2384905/))