David O'Connell

David O'Connell

Senior Analyst

Areas of Expertise: Commercial Lending, Customer Onboarding, Loan Processing, Return-on-Investment Analysis, Small-Business Lending, Stress Testing

David O’Connell is a senior analyst with Aite Group’s Wholesale Banking team, where his primary coverage area is lending. A former commercial lender of 14 years, Mr. O’Connell brings to his lending coverage extensive hands-on and granular knowledge of banks’ challenges in building businesses that lend safely, cost-effectively, and at scale. Broadly scoped, Mr. O’Connell’s coverage of lending encompasses the small-and-midsize-business market, commercial and industrial markets, automation’s benefits for scaling lending operations, fraud deterrence in lending, the application of business intelligence to lending, and Dodd-Frank Act stress-testing requirements. Skilled in performing economic analyses of both existing and pro forma technology deployments, Mr. O’Connell is also the author of Aite Group’s rapidly growing body of ROI-related capabilities, including customized ROI calculators, case studies, white papers, and sales force training.

Mr. O’Connell began his career in commercial lending, holding roles in underwriting and relationship management; he first specialized in large syndicated facilities and later focused on loans to technology companies. Prior to joining Aite Group, Mr. O’Connell covered the analytics and workforce management spaces and was the author of a large body of ROI-related content. He has spoken at user events for a variety of vendors. Mr. O’Connell has written or contributed to articles published at Time Magazine, the American Bankers Association, Dow Jones Newswires, and the Global Association of Risk Professionals

Mr. O’Connell holds a B.S. in Business Administration from Providence College and an M.B.A from Boston University.


Thursday, February 6, 2019 | 2 p.m. ET
Commercial lending is a brutal business.  Despite generating razor-thin margins, it requires perfection in credit judgment, deal structuring, and supporting operational processes. Even after a loan is closed and funded, many other variables must go EXACTLY right, and the more manual they are,...
Tuesday, January 21, 2020 | 11 a.m. ET
  Join Aite Group research director Christine Barry and her expert team for a live one-hour webinar as they identify the top 10 trends that will shape the wholesale banking and payments landscape around the globe in 2020 and beyond. Attend the webinar to: Understand the key drivers...

Analyst Views

November 15, 2019
Commercial lending is a crazy business right now. There is far too much capital sloshing around the economy, driving down costs to borrowers and making it hard for lenders to get paid for the riskiness of the loans they extend. Pricing is so disconnected from risk, in fact, that it’s common for bankers to refer to commercial lending as “a loss leader.” Really? All that work fielding loans,...
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