David Gartman Email & Phone Number

Cleveland

• Manage all aspects of interest rate strategy, governance, and analytics for a $200+ Billion dollar Retail interest bearing deposit portfolio.
• Proactively create strategy in coordination with key business partners in the pricing of retail deposit to achieve planned liquidity levels, net interest income goals, and profitability targets
• Lead a diverse team of Pricing Managers and Quantitative Analysts in optimizing deposit growth against marginal interest expense, developing detailed customer analytics to perform targeted customer level pricing.
• Develop scenario inputs on deposit betas, outflow rates, and product switch for thestress testing process (CCAR/DFAST) as well as for liquidity (LCR)
• Communicate retail deposit forecasts, strategy, and performance to A&L Liquidity Committee
• Own all pricing models, including CD Roll-Over, Elasticity, and Balance Duration models

• Managed development and integration of optimized rate calculators for retail deposit and lending portfolios.
• Developed segmentation models to define specific customer types and set pricing on the bank’s rate sheet.
• Modeled customer behaviors for key inputs into a line of credit and loan floor rate calculator.
• Worked with finance and product managers to accommodate profitability, funding, and regulatory concerns into line of credit and loan floor rate calculator.
• Produced loan prepayment model to improve prediction of life of loan cash flow models.
• Developed optimized pricing strategies with senior product and pricing managers.

• Integrated acquired bank deposit portfolios with National City’s core data and created analytical framework to manage rates on $14 billion of acquired deposit balances.
• Decreased attrition and produced $2 million in incremental spread revenue through development of rate treatments models.
• Participated in the mapping and integration of over 500 deposit products.
• Built attrition models to set financial goals for branch network.
• Produced economic forecasts which improved non-interest fee income forecast accuracy by $200,000 per month.
• Developed Survival Analysis Model to help segment Business Money Market Savings accounts by attrition risk and increase spread revenue

• Monitored the statistical validity of underwriting scorecards used to approve over $1 billion in consumer lines of credit and loans per month.

Bachelor Of Arts, Economics And English Literature

Economics