Skip to content

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
  • Bio

    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.

  • Research Interests

  • Teaching Interests

  • Recent Publications

    Intellectual Contributions

    Book Chapters

    Isberg, S. C. (2017). Organizational Design. Credit Research Foundation. 6.

    Bevilacqua, M. (2017). The OTC Evolution: Common Model. Credit Research Foundation. 24.

    Isberg, S. C. (2017). The RFP Process. Credit Research Foundation. 11.

    Isberg, S. C. (2017). A Brief Trip Back in Time: the Evolution of Shared Service Centers. Credit Research Foundation. 18.

    Refereed Journal Articles

    Isberg, S. C. (2017). Online and On-ground Retailing: Shifiting of the Ground. Credit Research Foundation. 10.

    Isberg, S. C. (2017). Understanding the Different Elements of the Valuation Model in the Anatomy of a Predicatable Bankruptcy: Application to the Retail Landscape. Credit and Financial Management Review. 23(2), 21-53.

    Isberg, S. C. (2017). The New Normal is Here to Stay in 2017. Credit Research Foundation. 7.

    Isberg, S. C. (2016). Whither the Oil Patch?. Credit Research Foundation: News. 9.

    Isberg, S. C. (2016). Growth Performance and Prospects for the U.S. Economy: An Analysis of Long Terms Rates and Trends. Credit and Financial Managment Review. 23(1), 20.

    Isberg, S. C. (2016). The Economic Minefield of Accumulated Debt: Part 2 and Outlook for the US Economy. CRF Annual Economic Review and Outlook. 2016. 6.

    Isberg, S. C. (2015). The Economic Minefield of Accumulated Debt: Part 1. Credit Research Foundation. 2015 QIV. 6.

    Isberg, S. C. (2014). Econoic Realignment, Consumer Income, Debt, and Spending: Impacts on Sustainability. Credit and Financial Managment Review. 20(2), 13.

    Isberg, S. C. (2013). Interest Rates, Consolidation and Financial Economic Stability: An Historical Perspective. Credit and Financial Management Review. 19(1), 12pp..

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

    Monographs

    Isberg, S. C. (2016). The Hothouse is Getting Cooler. Credit Research Foundation. 7.

    Isberg, S. C. (2016). Use of Shared Service Centers for Credit and Accounts Receivable Policy Setting and Task Completion Analysis of the Results of a Survey of Credit Executives. Credit Research Foundation: Occasional Paper Series.

    Isberg, S. C. (2013). The Implicit Cost of Trade Credit and the Theory of Optimal Terms of Sale: Revisited for the 21st Century. Credit Research Foundation Occasional Paper. 38.

    Presentations

    Isberg, S. C. Credit Research Foundation Shared Services Discussion Group, "The Path of Organizational Change in Credit:From Business Process Reengineering to Shared Service Centers," Credit Research Foundation, Chicago, Illinois. (2016).

    Isberg, S. C. Credit Research Association Professional Forum in Credit and AR Management, "Shared Service Center Use in Credit and AR:Who, What, and Where?," Creait Research Foundation, Marina Del Rey, California. (2016).

    Isberg, S. C. Global Credit and Accounts Receivable Forum, "The Path of Organizational Change in Credit," Credit Research Foundation, Ft. Lauderdale, Florida. (2015).

    Isberg, S. C. Rockwell Collins Financial Analysis Training Seminar, "Advanced Financial Analysis of the Aerospace and Airline Industries," Rockwell Collins Company, Cedar Rapids, Iowa. (2015).

    Isberg, S. C. Pharmaceutical Manufacturers Credit Exchange, "Economic and Financial Analysis of Retailers and Distributors in the Pharmaceutical Industry," National Association of Credit Management, Baltimore, Maryland. (2015).

    Isberg, S. C. National Distillers Credit Group, "Financial Analysis, The General Economy, and the Retail Environment," National Association of Credit Management-Kansas City, Memphis, Tennessee. (2015).

    Isberg, S. C. National Agricultural Credit Group, "Monetary Policy and the Credit Markets," National Association of Credit Management: Midwest, Savannah, Georgia. (2014).

    Isberg, S. C. Credit Research Foundation Credit and AR Forum, "Quantitative Easing, Consolidation and Economic Stability: An HIstorical Perspective," Credit Research Foundation, Ft. Lauderdale, Florida. (2014).

    Isberg, S. C. Society of Government Economists Annual Conference, "Quantitative Easing, Consolidation, and Economic Growth: Is Inflation a Lead-Pipe Lock?," Society of Government Economists, Washington, D. C.. (2013).

    Isberg, S. C. Sonepar Credit Management Training and Forum, "Cash Flow and Management of Credit Terms and Policy," Capital Tri-State Company, Denver, Colorado. (2013).

    Isberg, S. C. Omnicom National Credit Training, "Cash Flow Analysis and Managing Credit Risk," Omnicom Corporation, New York, New York. (2013).

    Isberg, S. C. Omnicom National Credit Training, "Understanding Sustainability Using Financial Analysis," Omnicom Corporation, New York, New York. (2013).

    Isberg, S. C. Society of Government Economists, "Integrity and Learning: Enhancing Workability and Student Performance Outcomes," Society of Government Economists, Washington, DC. (2012).

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

    Contracts, Grants and Sponsored Research

    Isberg, Steven C., "CEI/CELTT Faculty Cohort for Infusing Entrepreneurship into the Undergraduate Curriculum" Sponsored by Provost's Office/University of Baltimore, The University of Baltimore, $1500. (2013).

    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

    The Marc Steiner Show: Four appearances on the Steiner Show discussing the current financial economic and policy situation. (2013).

    Fox Morning News,: Three appearances on morning news slots discussing economic events and their impact on the local and national economy (2013).

    Fox News: Sinclair broadcasting: 15 interviews and appearances relating to local, national, and international economic events and their impact on the economy (2013).

    Baltimore Sun: Jos. A Bank buyout: Quoted in the Sun on seven different occasions for articles related to the Jos. A Bank merger with Men's Wearhouse. Provided reporters with extensive background material used in writing their articles. (2013).

    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).

    The Daily Record (Baltimore): Authored op-ed pieces, frequently quoted on issues of corporate financial management and stewardship as well as mergers and acquisitions (2012).

    The Baltimore Sun: General: Authored op-ed pieces, frequently quoted on issues of corporate financial management and stewardship as well as mergers and acquisitions (2012).

    Research in Progress

    "Bricks and Mortar Retail and the Internet of Things" (Writing Results)
    Examination of the financial impact of the rise of internet retailing on the bricks and mortar model

    "Shared Services Models Applied to the U.S. Federal Government" (On-Going)
    Lessons from the private sector are put to use in designing shared services models to be used in the organizational transformation of the United States Federal Government

    "The Sports Authority: Anatomy of an Overvaluation and Bankruptcy" (Writing Results)
    Using customary methods of valuation, this article shows how ignoring key results in the pro forma financial statement forecast can lead to failure to properly predict and manage the likelihood of financial distress after completing a highly leveraged buyout transaction.