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A brand new Path to Offering Small-Dollar Loans. Senior Vice President of Analysis

A brand new Path to Offering Small-Dollar Loans. Senior Vice President of Analysis

Senior Vice President of Analysis

Paul Calem is really a vice that is senior for research in the Bank Policy Institute. He joins BPI through the Federal Reserve Bank of Philadelphia where he had been a Vice President into the Supervision, Regulation and Credit Department. Dr. Calem specializes in home finance.

While during the Philadelphia Fed, he handled a device that supplied policy research and analysis on retail credit danger dilemmas, combined with the supply of quantitative help for bank exams. More over, the system developed the initial, CCAR/DFAST anxiety test models for core portfolios that are retail. He’s additionally offered as a senior economist at the Federal Reserve Board, a Director at Freddie Mac, and Vice President for Product analysis during the home loan information and analytics company Loan Performance. Dr. Calem has posted extensively in peer-reviewed financial journals on home finance. He holds a Ph.D. And a master’s level in economics from Brown University and bachelor’s in mathematics from Duke University.

Senior Vice President, Head of Analysis

Francisco Covas is presently Senior Vice President, Head of analysis during the Bank Policy Institute. Just before BPI that is joining, Covas served as Senior Vice President and Deputy Head of analysis during the Clearing home Association, where he helped oversee research and analysis to guide the advocacy associated with the Association with respect to the dog owner banking institutions.

Just before joining the Clearing home in 2016, Mr. Covas had been an assistant manager for the Division of Monetary Affairs during the Federal Reserve Board where he supervised a team dedicated to the results of alterations in bank legislation on financial policy, regarding the part of banking institutions when you look at the transmission of financial policy, as well as on the growth and validation of anxiety evaluation models.

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