Tom Kozlik is a Municipal Bond Strategist for PNC Capital Markets, the firm he joined in 2015 after spending 16 years in the municipal bond industry at UBS Investment Bank, Bear Stearns, and Janney Capital Markets. �In his role at PNC he advises clients about the strengths and weaknesses of municipal market credit profiles.� He also follows and comments on municipal market trends and related events in regular published market commentary and on Twitter. He is currently the President of the Philadelphia Area Municipal Analyst Society (PhAMAS pronounced “famous”).� Kozlik is an instructor at the University of Pennsylvania’s Fels Institute of government and teaches a public finance class.��
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