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PAGE PAGE 2 Curriculum Vitae (Name)Ph.D Curriculum Vitae, April 2009 Finance Department Date of Birth: February 22,1959 University of Minnesota Citizenship: U.S.A. 321-19 Avenue South SEX: Minneapolis Major: Professional Title: Office Telephone: E-mail: Mobile: School Website: Fax: ACADEMIC EXPERIENCE Minnesota Banking Industry Professor of Finance,Carlson School of Management,University of Minnesote,2002-present Associate Professor,Finance Department, Carlson School of Visiting Scholar,Financial Markets Group,London School of …… OTHER EXPERIENCE Consultant,Federal Reserve Bank of Cleveland,1996 Research Analyst,CoreStates Financial Corp/Philadelphia National Bank, 1981-1983 ………. EDUCATION The Wharton School,University of Pennsylvania, Philadelphia Ph.D.,Finance,August 1990 Ph.D.Thesis Title: Ph.D.Thesis Research was performed at: M.B.A.,Finance,Mar 1982 Princeton University,Princeton A.B., Mathematics,June 1980 RESEARCH INTERESTS Financial contracting, security design, and corporate finance. Structure and regulation of financial institutions. REFEREED JOURNAL ARTICLES “Risk Overhang and Market Behavior,” (with Anne ). Journal of Business 74:4 (October 2001), 591-612. “Delegated Monitoring and Bank Structure in a Finite E