Thomas L. Thomas
Quantitative Portfolio Analyst
City National Bank
Currently I work for City National Bank as a Quantitative Portfolio Analyst in the Credit Portfolio Risk Department. My primary responsibilities include factor analysis, credit stress testing and scenario analysis, credit loss forecasting and migration analysis, and Allowance for Loan and Lease Losses (ALLL) modeling.
In May 1979 I embarked in a career in banking as a teller with Security Pacific National Bank. I graduated with a Bachelor of Arts Degree in Economics from California State University, Northridge in 1985, and moved into a financial analysis position with First Interstate Bank of California. Over the last 28+ years I have worked in:
- Asset and liability management (interest rate risk management)
- Budgeting and forecasting
- Capital management
- As a Central Money Desk Manager
- Corporate finance
- Cost accounting
- Credit management
- Econometric Modeling and Forecasting
- Economic capital and Basel II modeling
- Funds transfer pricing
- Investment management
- Liquidity management
- Mergers and acquisition analysis
- Product profitability
- Trust management and valuation analysis
The banks I have worked at include: Security Pacific National Bank, Well Fargo Bank (North America), First Interstate Bank of California, First Interstate Bank, LTD., First Interstate Bancorp, Sanwa Bank/United California Bank, The California Credit Union, Union Bank of California, and City National Bank.
I completed a graduate certificate in banking (finance option) from the Bank Administration Institute in conjunction with the University of Wisconsin, graduating from the program with highest honors in 1992. I also completed a Master’s of Science in Finance from the University of Leicester, Leicester, England graduating with honors.
In addition I served as an Adjunct Professor of Economics and Finance at the Master’s College (formerly known as the Los Angeles Baptist College). I have also served on the Curriculum Advisory Council for the School of Economics, California State University Northridge. I also served as a guest lecturer on money and banking and macroeconomics at California State University, Northridge. In the spring 2013 I joined the adjunct faculty and California State University, Northridge teaching money and banking in the Economics Department. I have also guest lectured at other colleges including UCLA and USC. During my tenure, I have published papers on cost accounting, finance, ALLL modeling, and economic capital modeling.