Melissa Bronaugh | VP, IR |
Jonathan Witter | CEO |
Steve McGarry | EVP & CFO |
Moshe Orenbuch | Credit Suisse |
Mark DeVries | Barclays |
Michael Kaye | Wells Fargo Securities |
Sanjay Sakhrani | KBW |
John Hecht | Jefferies |
Jeffrey Adelson | Morgan Stanley |
Arren Cyganovich | Citi |
Giuliano Bologna | Compass Point |
Good day, and welcome to the 2022 Fourth Quarter Sallie Mae Earnings Call. At this time, all participants are in a listen-only mode. After the speakers' presentation, there will be a question-and-answer session and instructions will be given at that time.
As a reminder, this call is being recorded.
I would now like to turn the call over to Melissa Bronaugh, Vice President, Investor Relations.