Steven Gilbert Email & Phone Number

New York, Ny, Us

Leader of Applied Modeling and Analytics team for Wholesale portfolios. Develop models, analytical methodologies, and supporting policy directives governing the management of potential and emerging risk issues. Recently developed comprehensive climate risk framework for both physical and transition risk potential for large commercial and CRE portfolios. Introduced innovative quantitative methods, behavioral modeling, and other alternative data-driven analytical tools into daily business practices to promote more effective 360 degree view of wholesale credit risk posture.

New York, Ny, Us

Develop and manage Commercial Real Estate portfolio analytics, including stress testing (CCAR & Other), loss forecasting, and reserving/CECL. Create portfolio management analytic and modeling frameworks to improve risk management and efficiency of underwriting and servicing across CRE and C&I portfolios.

New York, Ny, Us

Head of Risk Analytics Team for Commercial portfolios including Commercial Real Estate, Middle Market C&I, Corporate, Financial Institution, and Asset-based Lending. Developed comprehensive CCAR Commercial Real Estate modeling and forecasting methodologies consistent with internal business practices. Lead strategic analytic initiatives for credit risk and commercial portfolio management.

New York, Ny, Us

Leader of team responsible for the risk management, analysis, and reporting of $42B commercial portfolio. Overseeing the Commercial Group’s risk posture, portfolio management, policy administration, and performance reporting. Designed and implemented nation-wide a commercial loan risk rating approach, models, and tools. Created monthly portfolio surveillance, stress testing and loss forecasting processes. Performed risk assessments on all new products and markets. Analysis and approval of all new markets and market-based commercial real estate lending programs. Developed and implemented market rating system and underwriting guidelines. Oversaw/Administered data vendor services, products used in underwriting commercial real estate loans and ongoing market monitoring. Conducted various regulatory and audit meetings, briefings, and responses.

Organized and led start up consulting firm through first three years of operation; responsible for financial management, staffing, marketing, business development, and negotiation of contracts. Led consulting teams in diagnostics, analysis, solution development, and production of deliverables. Directed bid proposals, work plans, budgets, analyses, and staffing. Developed relationships and partnered with industry leading institutions such as IBM, Booz, Allen & Hamilton, and Deloitte and Touche. Client list included the Asian Development Bank, Inter-American Development Bank, Bank of Guyana, and the U.S. Treasury’s Office of the Comptroller of the Currency. Key consulting focus areas included risk management (credit, operations, and market risks), business process improvement and strategic enhancement, microfinance and housing finance in underdeveloped countries, central banking operations and financial sector development.

Amsterdam, Nl

Lead SME/Consultant and program director for International Financial Sector Regulatory Practice. Worked with commercial and central banks to develop comprehensive risk management regimes and financial sector supervisory programs. Client countries primarily in Asia and the Former Soviet Union. Team with the International Monetary Fund, the World Bank, and the Asian Development Bank. Key duties included:• Acting as lead expert in areas including risk management, credit risk rating systems and provisioning, regulatory compliance and capital adequacy, asset/liability management, internal control systems, policy and procedures design, and bank reporting standards.• Developing and delivering focused solutions to client staff to support change management programs, including many presentations to high-level government officials, central bank board members and governors, commercial bankers, and other financial institution executives. • Preparing complex proposals, budgets, work plans, and overall project methodologies for projects ranging in size from $200 thousand to more than $5 million. • Regularly managed multiple concurrent project teams of 1-12 consultants with both internal and external advisory resources; identified, hired, counseled professional staff for individual projects.

Washington, Dc, Us

Advisor to Reserve Bank of Fiji. Provided policy advice and training on a wide range of issues related to banking sector development and supervision, compliance with international standards, and overall institutional development.

As a commissioned Senior Bank Examiner in Miami, Atlanta, and Washington DC, conducted comprehensive field safety and soundness examinations of small and large community banks, as well as regional and international banking companies in the United States. Completed comprehensive training in all aspects of banking, lending, regulations, and risk management principles. Key achievements include:Served as lead instructor for the joint FDIC/Federal Reserve credit-training program. Designated as a Subject Matter Expert in credit risk, loan analysis by the FDIC. Performed deep financial analyses of large international and regional banking companies, as well as portfolios of smaller commercial banks throughout the U.S. Regularly examined institutions and produced reports covering risk management and internal control processes, asset quality, management, capital, earnings, liquidity, and interest rate risk exposure in both domestic and international operations. Led Due-Diligence Reviews and developed bid packages for bank liquidations and assisted in conservatorship and liquidation of savings institutions.

Master Of Business Administration - Mba, International Business

Bachelor'S, Economics, International Studies