William C. Handorf
William C. Handorf
Professor of Finance
Contact:
2201 G Street NW, Suite 501-F
Washington, DC 20052
William C. Handorf is a professor of finance. Professor Handorf earned his A.B. in economics and an MBA in finance from the University of Michigan. He earned his Ph.D. in financial administration from Michigan State University. Professor Handorf recently served as a director with the Federal Home Loan Bank of Atlanta where he chaired the Audit Committee, the Finance Committee and the Enterprise Risk and Operations Committee. In addition, he served as vice chairman of the Board of Directors. The Bank is a wholesale financial institution registered with the SEC and has assets of approximately $200 billion. In addition, he previously was a director with the Federal Reserve Bank of Richmond where he chaired the Baltimore Branch, and a director with the Federal Home Loan Bank System’s Office of Finance.
Professor Handorf has a broad public/private perspective with 60 years of experience. In addition to being a professor for over 50 years, Dr. Handorf has worked as a commercial banker with the National Bank of Detroit, bank regulator with both the Federal Home Loan Bank Board and the Federal Deposit Insurance Corporation, and a consultant to banks and central banks (e.g., Brazil, Hong Kong, India, Peru, Poland, Russia, South Korea, Taiwan, Ukraine, and USA). He periodically served as a domestic and global expert witness in legal cases related to finance, real estate and banking. As a company-grade officer in the U.S. Army, then Lieutenant Handorf was awarded the Army Commendation Medal and the Purple Heart among other campaign medals applicable to military service in Vietnam.
Last decade of publications include:
Handorf, William C., “The Impact of Interest Rates on Banks,” International Banker (Winter, 2025, pp. 36-39).
Handorf, William C., “Commercial Real Estate Lending at Large U.S. Banks,” Banking and Financial Services Policy Journal (January, 2025, Volume 44, Issue 1, pp. 1-8).
Handorf, William C. and W. Harmon Handorf, “Property Performance and Access to Bank Funding during the Pandemic,” Real Estate Finance Journal (Winter, 2024, pp. 65-78).
Handorf, William C., “Ex ante Autopsy of a Failed Bank Using Public Information,” International Banker, (Spring, 2024, pp. 36-39).
Handorf, William C., “Bank Failure, a Risk Index and Capital,” Banking and Financial Services Policy Journal, (May, 2024, Volume 42, Issue 05, pp.1-7).
Handorf, William C., Reginald T. O’Shields, and Tyler Holt, “The Federal Home Loan Banks’ Approach 100: Evolution from Housing Lender to Liquidity Provider,” North Carolina School of Law Banking Journal (Volume 28, March 2024, pp. 45-70).
Handorf, William C. and W. Harmon Handorf, “Commercial Real Estate, Interest Rates and Financial Leverage,” Real Estate Finance Journal (Summer 2023, pp. 11-24).
Handorf, William C., “Bank Assessment Mid-crisis,” Banking and Financial Services Policy Journal (July 2022, Volume 41, Issue 7, pp. 1-10).
Handorf, William C., W. Harmon Handorf and Reginald T. O’Shields, “Commercial Real Estate Underwriting and Climate Risk,” Real Estate Finance Journal (Summer 2022, pp. 17-29).
Handorf, William C. and Reginald T. O’Shields, “Regulatory Loan Forbearance in the Banking Industry,” North Carolina School of Law Banking Journal (Volume 26, March 2022, pp. 1-28).
Handorf, William C., “Residential Loan Market Trends,” Banking and Financial Services Policy Journal (October 2021, Volume 40, Number 10, pp. 1-10).
Handorf, William C. and W. Harmon Handorf, “Commercial Real Estate Loan Forbearance by Banks during Covid-19,” Real Estate Finance Journal (Fall, 2021, pp. 15-24).
Handorf, William C., “Cyclical Early Warning Metrics and Commercial Real Estate Returns,” Real Estate Finance Journal (Winter, 2020, pp.25-37).
Handorf, William C., “Financial Implications as Libor Transitions to SOFR,” Real Estate Finance Journal (Summer 2020, pp. 11-20).
Handorf, William C., “U.S. Debt “Tipping Point, Adverse Economic Growth and Real Estate,” Real Estate Finance Journal (Spring 2020, pp. 5-14).
Handorf, William C., Reggie O’Shields and Andrew Richardson, "An Examination of the Factors Influencing Banking Legislation and Regulation," North Carolina School of Law Banking Journal (Volume 24, March 2020, pp. 93-115).
Handorf, William C., “Financial Crises and Failed Corporate Governance,” Global Journal of Management and Business Research (Volume 19, Issue 4, 2019, pp. 1-12).
Handorf, William C., “Commercial Real Estate and Bank Credit Standards,” Real Estate Review, (Volume 47, Number 3, Winter, 2018, pp. 59-69).
Handorf, William C., “Value Creation, Risk Management and US Bank Holding Company Governance,” Global Journal of Management and Business Research (Volume 18, Issue 3, 2018, pp. 1-15).
Handorf, William C., “Government Fiscal Policy and the Housing Market,” Real
Estate Review (Volume 47, Number 2, Summer, 2018, pp. 27-37).
Handorf, William C., “Implications of the Current Expected Credit Loss Accounting Model,” Journal of Banking Regulation (Volume 19, Issue 3, July, 2018, pp. 211-221).
Handorf, William C., “A Dismal Decade,” Real Estate Review (Volume 46, Number 1, Winter, 2017, pp. 19-31).
Handorf, William C., “Regulatory Ratios, CDS Spreads and Credit Ratings in a Favorable Economic Environment,” Journal of Banking Regulation (Volume 18, Issue 3, July 2017, pp 268-285).
Handorf, William C., “Financial Implications of Transitioning to the Wall Street Reform and Consumer Protection Act of 2010 and Basel III,” Journal of Banking Regulation (Volume 18, Issue 1, January 2017, pp. 1-13).
Handorf, William C., “CAMEL to CAMELS: The Risk of Sensitivity,” Journal of Banking Regulation (Volume 17, Issue 4, November 2016, pp. 239-272).
Handorf, William C., “Bank Holding Company Dividend Policy, Regulatory Guidance and the Great Recession,” Journal of Banking Regulation (Volume 17, Issue 3, July 2016, pp. 149-158).
Handorf, William C., “Implications of Revised Accounting for Real Estate Leases,” Real Estate Review (Volume 45, Number 2, Summer 2016, pp. 3-13).
Handorf, William C., “Commercial Real Estate and Equity REIT Returns,” Real Estate Review (Volume 44, Number 4, Winter 2015, pp. 3-13).
Handorf, William C., “A Retrospective of a Half-century of Mortgage Finance, Real Estate Review, (Volume 44, Number 3, Fall 2015, pp. 59-70).
Handorf, William C., “Bank Risk Management, Regulation and CEO Compensation after the Panic of 2008,” Journal of Banking Regulation (Volume 16, Issue 1, January 2015, pp. 39-50).
Handorf, William C., “Land Acquisition, Development and Construction
Ph.D., Financial Administration, Michigan State University (1973)
M.B.A., Finance, The University of Michigan (1967)
A.B., Economics, The University of Michigan (1966)
Banking
Bank Regulation
Real Estate Finance