AeroLeads people directory · profile

Stephen Bartoletti Email & Phone Number

Senior Banking Advisor, author, trainer at independent contractor

Location: San Francisco, California, United States 5 work roles 2 schools

LinkedIn matched

✓ Verified May 2026 3 data sources Profile completeness 100%

Current company

independent contractor

Role

Senior Banking Advisor, author, trainer

Location

San Francisco, California, United States

Who is Stephen Bartoletti? Overview

A concise factual answer block for searchers comparing this professional profile.

Quick answer

Stephen Bartoletti is listed as Senior Banking Advisor, author, trainer at independent contractor, based in San Francisco, California, United States. AeroLeads shows a matched LinkedIn profile for Stephen Bartoletti.

Stephen Bartoletti previously worked as Author, Trainer at Independent Contractor and Project Manager at Dai. Stephen Bartoletti holds Master Of Business Administration (Mba), Finance, General from Uc Berkeley.

Profile bio

About Stephen Bartoletti

35+ year veteran, half as a commercial banker in California, the other half supervising financial institutions in emerging markets that accessed credit lines granted by the World Bank and the European Bank for Reconstruction & Development (EBRD) for on-lending to Small & Medium Enterprises SMEs. Now focused on publicizing the discovery of CPFA, the Current Portion of Fixed Assets, a provocative concept with significant ramifications for the measurement of liquidity and debt repayment. CPFA was validated in the Journal of Accountancy in 2012, subsequently elaborated in several subsequent articles in The RMA Journal, and fully developed in the book, Cash Flow Lending. (see Publications).

Listed skills include Credit, Loans, Banking, Commercial Banking, and 14 others.

Current workplace

Stephen Bartoletti's current company

Company context helps verify the profile and gives searchers a useful next step.

Independent Contractor

Senior Banking Advisor, author, trainer

5 roles · 45 years

Stephen Bartoletti work experience

A career timeline built from the work history available for this profile.

Author, Trainer

Current

Independent Contractor

San Francico, CA

Following 15 years as a commercial banker in California plus 20 years advising banks in emerging markets for the World Bank and EBRD, I am now in my third career, writing and speaking on my passion: commercial lending to SMEs. My startling discovery—that some credit decisions have been misguided because there is an account missing (CPFA) from the balance.

2010 - Present ~16 yrs 4 mos

Project Manager

Dai

Croatia

Hired to catalyze an under-performing SME credit line granted by EBRD to a commercial bank in Croatia (portfolio after 7 months was only 22 loans, €701,000). Conducted diagnostic, revealing necessary changes in loan product, policies and procedures. With new loan product in place, implemented facility training, advertising campaign, internal newsletter, &.

2008 - 2009 ~1 yr

Senior Banking Advisor (Contractor)

The World Bank

Various Countries

Development Banking – Specialist in managing and supervising credit lines provided by the World Bank or EBRD to commercial banks and leasing firms in emerging markets for on-lending to SME and micro clients. Example (1996-98): Resident Manager in Moscow of the $300,000,000 Enterprise Support Project, co-funded by World Bank and EBRD, screening sub-loans.

1996 - 2007 ~11 yrs

Vice President, Commercial Branch Manager

Sanwa Bank California

Bay Area, California

Commercial Banking – As a VP, Commercial Banking Officer in a corporate banking center in California, had full account responsibility (sales and credit) for the more complex credits—an $8 million mortgage warehouse line, a $3 million equipment lease underwriting line, a $30 million asset-based line, along with revolving credit facilities and equipment.

1981 - 1995 ~14 yrs

Banking Advisor & Trainer

Us Peace Corps

Bulgaria

Upon the dissolution of the Soviet Union, the Peace Corps started a pilot program in Bulgaria to facilitate the transition from a central-planned economy to a free market economy. Assigned as a banking advisor & trainer, I condensed the training program I taught at Sanwa Bank into an intensive 1-week course to introduce bankers to the principles of.

Apr 1992 - May 1994

2 education records

Stephen Bartoletti education

Master Of Business Administration (Mba), Finance, General

Uc Berkeley

Bachelor Of Business Administration (Bba), Finance, General, Summa Cum Laude

California State University Hayward

Activities and Societies: President, Business-Economics Student Council Founder and First President, SAM (Society for the Advancement of.

FAQ

Frequently asked questions about Stephen Bartoletti

Quick answers generated from the profile data available on this page.

What company does Stephen Bartoletti work for?

Stephen Bartoletti works for independent contractor.

What is Stephen Bartoletti's role at independent contractor?

Stephen Bartoletti is listed as Senior Banking Advisor, author, trainer at independent contractor.

Where is Stephen Bartoletti based?

Stephen Bartoletti is based in San Francisco, California, United States while working with independent contractor.

What companies has Stephen Bartoletti worked for?

Stephen Bartoletti has worked for Independent Contractor, Dai, The World Bank, Sanwa Bank California, and Us Peace Corps.

How can I contact Stephen Bartoletti?

You can use AeroLeads to view verified contact signals for Stephen Bartoletti at independent contractor, including work email, phone, and LinkedIn data when available.

What schools did Stephen Bartoletti attend?

Stephen Bartoletti holds Master Of Business Administration (Mba), Finance, General from Uc Berkeley.

What skills is Stephen Bartoletti known for?

Stephen Bartoletti is listed with skills including Credit, Loans, Banking, Commercial Banking, Corporate Finance, Portfolio Management, Emerging Markets, and Management.

Security Check