• MBA with more than 5 years' experience in the structured finance industry.
• Experience modeling a wide variety of securitizations, including MBS (agency and whole loan), CMBS, and ABS.
• Expert in Excel Visual Basic for Applications, including custom function libraries, custom menus, and file system operations. Certified at master level in Excel by Brainbench.
• Familiar with advanced modeling techniques including linear programming and Monte Carlo simulation.
  

DAVID GERSTER STRUCTURED FINANCE SERVICES, San Francisco Bay Area
August 2001 - Present

• Create custom securitization models using Excel and Excel Visual Basic for Applications.
• Clients include a Big Five accounting firm, a Big Three auto maker, and one of the five largest banks in the U.S.
• For a list of recent projects, please visit http://www.goCMO.com/recent.shtml.

WORLD SAVINGS, San Francisco Bay Area
Independent Consultant, Fall 1998 - Spring 1999

• Created custom Excel/Visual Basic model for a $2 billion structured financing backed by complex negatively amortizing ARM collateral.
• Model handled multiple scenarios of different prepayment, default, and COFI vectors.

KPMG PEAT MARWICK LLP, Washington, DC
Senior Consultant, CMO Group, 1997-1998

• Managed four junior personnel as a Senior Consultant.
• Focused on complex whole loan issuances.
• Used Microsoft Excel/Visual Basic to structure a $4 billion World Savings securitization.
• Initiated purchase of CAS collateral analysis software. Responsible for testing, implementation and training over several months.

THE CARLYLE GROUP, Washington, DC
Associate, Real Estate Group, 1995-1997

• Structured six commercial real estate transactions with total value of $116 million.
• Advised Managing Director on pre-IPO investment that resulted in a return of more than 10x.

DELOITTE & TOUCHE LLP, New York, NY
Senior Associate, CMO Group, 1993-1995

• Advised underwriters and issuers by modeling agency and whole loan CMO issuances totaling more than $5 billion.
• Initiated purchase of CAS collateral analysis software.

MERRILL LYNCH, New York, NY
Analyst, Housing Finance Department, 1992-1993

• Calculated the bond structure for successful pricing of a $50 million issue.

UNIVERSITY OF CALIFORNIA AT BERKELEY
Walter A. Haas School of Business, MBA Class of 2000

• Awarded 1999 Price Fellowship in Entrepreneurship, presented each year to two students showing promise as entrepreneurs.
• Awarded 1999 Haas Venture Capital Fellowship.
• Co-organized a course titled "Technology: Topics and Trends" attended by more than 90 MBA students.
• Scored 760 on the GMAT (99+ percentile).
  

HARVARD UNIVERSITY
Concentration in English, Class of 1992

• National Merit Scholarship winner.
• Member of The Harvard Glee Club.
• B.A. with honors received in June 1992.