Rhys Herbert is a Senior Economist in the Research Department of Lloyds Bank Commercial Banking. He is responsible for analysing and forecasting trends in the UK and other major economies. Rhys joined Lloyds Bank in January 2011. Prior to this, he worked at the economic consultancy Oxford Economics where he headed up its industry forecasting service. He has also worked at the Office for National Statistics, Prudential Assurance Corporation, Credit Lyonnais Bank and the National Institute of Economic and Social Research. Rhys has a MSc in Economics from the University of London.