Jun Yoo

Jun Yoo is a doctoral candidate in Economics at The Graduate Center, CUNY, working out of Baruch College’s Zicklin School of Business. He teaches FIN 3610 — Corporate Finance and FIN 3710 — Investment Analysis at Baruch.

His research is on banking and the design of credit markets, with a focus on small business lending. Recent and ongoing work examines how regulatory standardization interacts with the private expertise lenders accumulate in particular sectors — and what is lost when soft information is replaced by scorable proxies.

Selected projects (working papers):

• Public Information, Private Expertise, and Lender Specialization uses the SBA’s 2014 credit-scoring requirement as a natural experiment to show that standardized scoring reduced lender specialization by ~13% while increasing defaults by ~11% in previously specialized industries — suggesting standardized metrics can eliminate valuable sector-specific knowledge.
• Rules, Discretion, and Soft Information in Small Business Lending (with Linda Allen and Fabrice Tourre) studies how the same 2014 SBA reform changed collateral pricing and the value of borrower-lender relationships, with effects that vary by state homestead exemptions.

He has presented at FIRS 2026, FMA 2025, the LaBS International Banking Workshop, and seminars at Baruch College and CUNY.

A current CV and full research notes are on his personal site.