Mr. Nathaniel Finkin
Managing Partner and Principal, Finkin Capital Advisors
Member of the Financial Services Council
Council Member Biography
Nathaniel Finkin is the Managing Partner and a Principal of Finkin Capital Advisors, a firm started in 2008 that provides consulting and advisory services in the areas of debt and equity arrangements, capital structure, cash flow management, efficiency, human resources, marketing, and business development. The firm also conducts extensive independent research on financial institutions on both a contract basis and for proprietary purposes. Finkin has over 15 years of experience in commercial banking and lending, and has held positions in both relationship management and executive leadership at such institutions as RBS Citizens, Wells Fargo, M&T Bank, and Harleysville National Bank. Finkin is an active and thorough analyst who is frequently asked to provide commentary on the commercial, consumer, real estate, and capital markets banking and lending landscape. Finkin was awarded his Bachelors Degree from the University of Pittsburgh, and is pursuing his M.B.A. from Temple University. (This is me - Update Profile)
Employment History
- 2008 - Unspecified
- Managing Partner and Principal, Finkin Capital Advisors
- 2006 - 2008
- Vice President - Corporate Banking, HARLEYSVILLE NATIONAL BANK
- 2003 - 2006
- Senior Vice President - Mid-Size Firms, CITIZENS BANK
- 2002 - 2003
- Vice President - Corporate Lending, M&T BANK CORPORATION
- 2000 - 2002
- Assistant Vice President - Business Banking, SUSQUEHANNA BANK
- 1995 - 2000
- Manager, Wells Fargo
GLG NewsSM Analyses by Nathaniel Finkin(?)
Opinions and analyses expressed in GLG News are solely those of the author. See the Terms of Use for details.
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UK banking landscape presents potential for new competitors
September 21, 2009
State Bank of India open to acquisitions in UK | www.reuters.com
The large scale nationalization of the UK banking system leaves open the possibility for new players to enter the marketplace and compete. While American banks are still struggling en masse with capital issues, many foreign banks are not facing those same issues, and are likely to consider the UK for expansion opportunities.
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Higher defaults in a CRE book don't necessarily translate to more losses
September 16, 2009
Wells Fargo, Fifth Third Add to Predictions of Higher Defaults | www.bloomberg.com
One of the most compelling contrasts between the 2007-08 (and still ongoing) meltdown in the residential housing market, vs. the forecast bubble-burst in commercial real estate for 2009-10, is the methodology banks and lenders use to forecast losses. This contrast will definitely lend itself to more transparency and clarity with this current lending crisis vs. the previous residential and consumer meltdown.
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Capital One will be pressured along several fronts in 2009
June 11, 2009
Capital One Looks to Adapt to Credit Card Laws | www.washingtonpost.com
1) The CARD act of 2009 will impair fee collection, and absent a new drive to assess annual fees to their better clients it will be challenging if not impossible to recoup those fees. 2) Capital One will be dealing with rising unemployment, which has and will continue to correlate directly to higher delinquency and higher charge offs 3) The response to these events from a risk management perspective will inhibit asset growth and thus compound the earnings issue
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April 22, 2009
Employers to close more pension schemes as funding shortfall hits record | www.telegraph.co.uk
1) The nature of the employment landscape has so fundamentally changed over the last 30 years that the retirement vehicles put into place to help employees are nearly obsolete. 2) Pensions, in addition to their nearing obsolecence, are becoming significant liabilities for firms, who are struggling with record violatility in the value of their pension funds 3) Firms are finding and utilizing alternative solutions to provide employees with enhanced retirement benefits
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Look out for regionals in 2009
March 16, 2009
Surge in Bank Failures Expected in '09 | online.wsj.com
1) Regional banks do not have a diverse income stream, and are heavily reliant upon net interest margin and "balance sheet banking" to generate income 2) While bank failures will likely be concentrated in certain marketplaces, the likelyhood of failure or success has more to do with reliance upon loan performance and less to do with size or location 3) Larger banks have mostly divested themselves of toxic assets, and the financial services sector as a whole has largely digested the mortgage meltdown.
Leading institutions connect with Nathaniel Finkin through GLG
GLG Study Groups with Nathaniel Finkin(?)
| Study Group Name | No. Members |
|---|---|
| Experts in the Leisure & Lodging Council | 4887 |
| Experts in the Automotive Council | 3422 |
| Commercial Printing Experts | 1350 |
| Sub-Prime Lending Experts | 590 |
| LBO and M&A Accounting & Tax Consultants | 365 |
GLG Live Meetings with Nathaniel Finkin(?)
Nathaniel Finkin has not participated in any GLG Live Meetings.