The Emergency Economic Stabilization Act was enacted October 3, 2008, a month and a day before the election and nearly four months before Obama was inaugurated as President. While both McCain and Obama voted in favor of the act, and issued a joint statement in favor of the action as Presidential candidates, that part of the crisis was over and done with before he took office.
I remember a thing on Frontline about the banking crisis where they described a meeting with Obama and the bankers where the bankers were pretty much ready for big concessions. Obama instead didn't do anything and let that opportunity go. He did the same when the Obamacare negotiations were going on. Instead of kicking some of his colleagues in the rear he was pretty weak and got weak results. I think he learned from these lessons and became much more assertive over time. It seems most presidents do better in their second term once they have learned the job.
