Steve Sharp joined Ceto and Associates as a consultant in 2006. Since his time at Ceto and Associates, Sharp has been promoted from a consultant to Vice President, Business Development. He is responsible for cultivating and fostering relationships with financial institutions across the country.

Prior to joining Ceto and Associates, Sharp started his career as a financial analyst with the United Parcel Service (UPS) at their corporate headquarters in Atlanta. After UPS, Sharp became a professional recruiter for multiple notable firms where he was responsible for placing finance professionals in permanent roles. Later, Sharp transitioned into sales and worked in the medical industry as a medical sales representative where he ensured hospitals all over the country received sterile disposable products.

Representative Accomplishments

  • Developed relationships and worked closely with hundreds of banks and credit unions across the country on numerous types of profit improvement engagements. These engagements included the implementation of software applications and various profit improvement recommendations with scopes ranging from the generation of new income sources on deposit and loan products to operational effectiveness and expense reduction.

  • Managed the promotion and distribution of PC-based and web-based software applications to more than 200 financial institutions. These applications were instrumental in identifying and significantly reducing non-earning assets, particularly FRB reserve requirement balances and excess branch and ATM cash.
  • Managed the promotion and distribution of consulting services engagements to more than 100 banks and credit unions ranging from $300 million to $10 billion in total assets. These engagements included the implementation of strategies for product pricing and design, increasing non-interest income, decreasing non-interest expense, staff modeling, reducing non-FTE related expenses, as well as methodologies for improving management process and enterprise risk management.


University of Georgia
B.B.A. in Finance