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Merrick School of Business

Steven Isberg

Steven C. Isberg, Ph.D.

Associate Professor of Finance

Department of Finance and Economics
Office: Business Center 420
Phone: 410.837.4995
E-mail: sisberg@ubalt.edu

    Education:
  • Ph.D., Binghamton University
  • M.A., Binghamton University
  • B.A., State University College at Cortland

Professor Isberg is a member of the finance faculty and is a senior research fellow at the Credit Research Foundation. He is also frequently quoted in the media.

Intellectual Contributions

Refereed Journal Articles

Isberg, S. C. (2013). Interest Rates, Consolidation and Financial Economic Stability: An Historical Perspective. Credit and Financial Management Review. First Quarter 2013. 12.

Isberg, S. C., & Pitta, D. A. (2013). Using Financial Analysis to Assess Brand Equity. Journal of Product and Brand Management. 22(1), 13.

Isberg, S. C. (2009). Understanding Customer Derivative Risk: A Case Analysis. Credit and Financial Management Review. First Quarter 2009. 13.

Isberg, S. C. (2008). Size Relationships and the Ability to Manage DSO and Terms. Business Credit. 110(4), 16-18.

Magazine/Trade Publication

Isberg, S. C. (2011). The U.S. Economy: Headed for Another Restructuring?. Credit Research Foundation. January 2011. 4.

Isberg, S. C. (2010). QE2: Cruise Ship Headed for a Perfect Storm?. Credit Research Foundation. December 2010. 4.

Isberg, S. C. (2010). What's Going on with Hospital Credit Risk?". Credit Research Foundation. September 2010. 4.

Presentations

Isberg, S. C. Yes "Integrity and Learning: Enhancing Workability and Student Performance Outcomes," Same, Washington, DC. (2012).

Isberg, S. C. Yes "Capturing the Wind: Enhanced Learning Outcomes Through Student and Instructional Leadership and Integrity," AACSB, Houston, Texas. (2012).

Isberg, S. C. Yes "An Historical Perspective on the State of the U.S. Economy and Financial Markets," Credit Research Foundation, Ft. Lauderdale, FL. (2011).

Isberg, S. C. Yes "Cash Flow Analysis and Valuation," Credit Research Foundation, Ft. Lauderdale, FL. (2011).

Isberg, S. C. Yes "The Impact of Integrity on Teaching and Learning: Maximizing Classroom Workability and Student Performance Outcomes," L'Ecole (Faculty Learning Community on Ontological Leadership, United States Air Force Academy, Colorado Springs, CO. (2011).

Isberg, S. C. Yes "The US Economy, Construction Activity and Credit Risk Managment," National Construction Credit Association, Baltimore, Maryland. (2009).

Isberg, S. C. Yes "The US Economy and the State of Retailing," NACM Kansas City, Washington, D.C.. (2009).

Isberg, S. C. Yes "IFRS: Meaning and Implementation," Chicago, Illinois. (2009).

Isberg, S. C. Yes "Understanding and Managing Customer Derivative Risk," San Antonio, Texas. (2009).

Isberg, S. C. Yes "Understanding Your Customer's Business Through Financial Statement Analysis," Credit Research Foundation, Deerfield, IL. (2008).

Isberg, S. C. Yes "Understanding Your Customer's Business Through Financial Statement Analysis," Credit Research Foundation, San Diego, CA. (2008).

Isberg, S. C. Yes "Writing Effective Business Reports," Credit Research Foundation, Minneapolis, MN. (2008).

Isberg, S. C. Yes "Cash Flow Analysis for Forecasting and Acquistion Valuation," Pittsburgh, PA. (2008).

Isberg, S. C. Yes "Understanding Your Customer's Business Through Financial Statement Analysis," Kimberly-Clark Company, Knoxville, TN. (2008).

Isberg, S. C. Yes "Financial Statement Structure and Performance Across Industries," National Association of Credit Management, (2008).

Isberg, S. C. Yes "Cash Flow Analysis for Forecasting and Acquistion Valuation," National Association of Credit Management, Louisville, KY. (2008).

Isberg, S. C. Yes "Understanding Your Customer's Business Through Financial Statement Analysis," Newark, NJ, Credit Research Foundation. (2008).

Isberg, S. C. Yes "Financial Policy and Performance in Response to Economic Changes: The Case of the Pharmaceutical Distribution Industry," National Agricultural Credit Group, Cape Cod, MA. (2008).

Isberg, S. C. Yes "Understanding Your Customer's Business Through Financial Statement Analysis," Credit Research Foundation, San Antonio, TX. (2008).

Isberg, S. C. Yes "Understanding Your Customer's Business Through Financial Statement Analysis," National Distillers Credit Group, San Antonio, TX. (2008).

Isberg, S. C. Yes "Understanding Your Customer's Business Through Financial Statement Analysis," Bell Micro Corporation, Montgomery, AL. (2008).

Contracts, Grants and Sponsored Research

Isberg, Steven C., "Curriculum Development in Critical Reading" Sponsored by UB Provost Office, The University of Baltimore, $1500. (2012).

Isberg, Steven C.(Co-Principal), Gibson, Charles Edward(Co-Principal), "Instructional Technology Grant" Sponsored by UB, The University of Baltimore, $5500. (2012).

Media Contributions

Baltimore Sun: Interivewed and quoted in the Baltimore Sun a total of eight (8) times in regard to financial economic and government policy issues. (2013).

Marc Steiner Show: Made five appearances on the Marc Steiner Radio show to discuss a variety of financial economic and government policy issues. (2013).

Fox News/WMAR TV News: Made a total of fifteen (15) appearances either live/in-studio or recorded interviews. Covered a variety of financial economic and government policy topics. (2013).

Mark Steiner Show: Made two appearances on the Steiner Show to discuss business, economic and financial issues. (2009).

Fox 45, WJZ, WBAL: Made a total of 22 appearances on local television news programs to discuss a variety of economic and financial issues. Some of these are documented individually in this report. (2009).

Fox 45 Baltimore: Appearance on the evening news to comment on a bill proposed by Senator Ben Cardin to allow newspapers to become 501 (c) 3 corporations (2009).

Fox 45 Baltimore: Appearance on the morning news to comment on private purchase of "toxic assets" from banking organizations (2009).

Baltimore Business Journal: Interviewed and quoted in an article on bank marketing innovations. (2009).

WJZ TV 13 Baltimore: Appearance on the evening news to comment on the bankruptcy of Magna Entertainment Corporation (2009).

Fox 45 Baltimore: Appeared on the morning news to comment and respond to caller questions on continuing changes in federal bailout policies. (2009).

Baltimore Daily Record: Interviewed and quoted on the relationship between the health of the banking and finance industry and the overall economy (2009).

Fox 45 Baltimore: Appearance on the morning news to comment on the state government budget and deficit remediation (2009).

Fox 45 Baltimore: Interviewed on the morning news about the role of derivative trading and how the banks have spent federal bailout money. (2008).

WJZ TV 13 Baltimore: Interviewed about small retailer marketing and promotion strategies and the impact of the recession on consumer spending at different retailing levels. (2008).

Fox 45 Baltimore: Interviewed on the morning news about where the $700 billion federal bailout money has gone once given to firms in the finance industry (2008).

Baltimore Business Journal: Interviewed and quoted in an article about the impact of the financial crisis on employment opportunities for those with finance skills (2008).

The Dan Rodericks Show WYPR: Commentator on a one-hour show addressing the federal auto industry bailout proposals. Offered viewpoints and responded to caller questions. (2008).

WMAR Channel 2 Baltimore: Interviewed about the potential impact of the economy on retail spending for the holiday season. (2008).

Baltimore Sun: Interviewed by Andrea Siegel for a two-part piece on consumers and the mortgage industry. Quoted extensively in the final articles. (2008).

Fox 45 Baltimore: Interviewed and quoted for a second feature piece on Constellation Energy Company and its strategies to avoid bankruptcy. (2008).

Mark Steiner Show: Appeared as guest commentator. Made comments and responded to caller questions on the financial crisis. (2008).

Fox 45 Baltimore: Interviewed on the morning news regarding the need and logic of federal government bailouts of financial companies (2008).

Mark Steiner Show: Participated as commentator in an one-hour show on developments in the financial markets and the logic of federal bailouts (2008).

Fox 45 Baltimore: Interviewed by anchor and took questions from callers regarding the government's reaction to the financial crisis, Constellation Energy and what individuals should do as consumers and voters to influence the outcomes (2008).

Fox 45 Baltimore: Interviewed for a feature piece on the performance of Constellation Energy Company and the proposed merger deal with Mid-American Energy (2008).

Mark Steiner Show: Appeared on a one-hour show to comment and respond to caller questions on evolving problems in the financial and real estate markets and the economy (2008).

WYPR: Interviewed and quoted in a long news piece on the relationship between changes in the economy, the tax base and the ability of state and local governments to offer services when and where needed. (2008).

Fox 45 Baltimore: Interviewed on the morning news to comment on oil and fuel prices. (2008).

Research in Progress

"Assessment of Learning Objectives in Corporate Finance"

"Corporate Financial Performance and Receivables Benchmarking: Is Excellence Contagious?"

"Order to Cash Restructuring: From Silos to Shared Services and its Impact on Human Resources in the Credit Management Profession"