Editor's note: Seeking Alpha is proud to welcome Steve Richter as a new contributing analyst. You can become one too! Share your best investment idea by submitting your article for review to our editors. Get published, earn money, and unlock exclusive SA Premium access. Steve has over 30 years of experience as a financial analyst. The majority of his career has been spent as a credit analyst and then credit executive for various large banks and he spent a few years as a buy-side analyst, specializing in pro ...