Senior Managing Director of Centen Consulting providing a full range of risk management consulting services including M&A due diligence, litigation support services, expert witness testimony, loan loss reserving and loss mitigation programs, risk-based audit and compliance testing, outsourced credit review services, strategic planning, cash flow modeling and stress testing.

Managing Director providing credit risk consulting services to financial institutions with domestic and international banking operations. Focus areas include loss estimation for reserving and the allowance for loan and lease losses (ALLL) under ASC450-20 and 310-10, Qualitative Adjustment Frameworks and implementation of the Current Expected Credit Losses (CECL), risk modeling and analytics for credit risk, capital planning and stress testing, model validation, internal controls effectiveness assessment / program development, counterparty credit risk management infrastructure for financial counterparties and vendors. Frequent speaker at banking and financial services industry conferences and national training sessions.Specialties: CECL; current expected credit losses; allowance for loan and lease losses; ASU 326; ASU 320-40 ASU 310-10; ALLL; FAS 114; Impaired loans; TDRs; Troubled debt restructures; credit risk; credit policy, credit process and controls, counterparty credit risk; credit risk models; current expected credit losses; credit risk data; loan review; credit review; commercial lending; consumer lending; Commercial real estate lending; CRE lending; VC fund lending; Private equity lending; agribusiness lending; leveraged lending; HLT lending; asset securitization; board training; board education programs, audit materiality; Internal Control over Financial Reporting; ICFR; M&A transaction advisory; credit due diligence; expert witness; litigation support.

Principal and founder providing risk management consulting services to banks related to loss reserving and allowance methodology design, modeling, documentation, process - including CECL implementation, transition and PMO services. Other services include outsourced credit review, credit risk management and risk rating methodology assessments, counterparty credit risk consulting, M&A transaction advisory and litigation support.

National Credit Analytics Practice Leader providing credit risk analytics and management consulting services to financial services clients. Serving the largest financial services firms in the U.S. with domestic and international banking operations as well as middle market and specialized lenders. Focus areas: Loss estimation for reserving and the allowance for loan and lease losses (ALLL) under ASC450-20 and 310-10, Qualitative Adjustment Frameworks and implementation of the Current Expected Credit Losses (CECL), risk modeling and analytics for capital planning and stress testing, internal controls effectiveness assessment / program development, counterparty credit risk management infrastructure for financial counterparties and vendors. Frequent speaker at banking and financial services industry conferences and national training sessions.Speaker – KPMG Los Angeles CECL Share Forum, September 2017Speaker – KPMG Chicago CECL Share Forum, June 2017Webcast Host – KPMG Survey on the Allowance for Loan & Lease Losses, July 2017 and June 2013Co-Author – KPMG Survey on the Allowance for Loan & Lease Losses, July 2017 and May 2013Speaker – NAPCO Conference, Counterparty Credit Risk and Assessing Energy Derivatives, September 2014Co-Author – KPMG Survey on Retail Loan Review Practices, July 2014Speaker – BAI Annual Loan Review Conference, 2006 – 2009Webcast Host – BAI ALLL and the New 2009 Guidance, December 2009

Commercial credit risk management consulting practice leader within Deloitte’s Governance Regulatory & Risk Strategies Group. Supervised, managed and deployed a team of 30 full and part time professionals on projects across the country for commercial and consumer credit consulting, and internal and external audit related projects. Client base included banks with assets of up to $700B with domestic and international operations as well as middle market and specialized technology sector lenders. Developed strategy for and created a new credit review consulting service line in 2004 within the credit practice providing outsourced and co-sourced credit review services for banks with commercial and consumer portfolios. Provided assessments of key credit processes and controls including the credit review function, credit underwriting and monitoring, the allowance for loan and lease losses (ALLL), and credit policy & procedures. Developed new industry surveys and held online webinars and in person events. Frequent speaker at national training sessions and external conferences. Provided credit due diligence services for financial services M&A transactions and expert testimony for litigation projects. Subject matter expert in specialized lending areas including technology sector, commercial real estate, asset based, highly leveraged transactions, agribusiness and loan syndications.

Developed national product marketing strategy and marketing materials for client calls and conferences; rebuilt national brand recognition in key areas of firm expertise through an active relationship-oriented marketing program. Developed excellent track record for project management, staff selection and meeting client deadlines. Advised clients in the creation of credit policies and procedures and design of related internal controls. Consulted with investment banks and corporate clients to analyze credit portfolios in connection with planned Collateralized Debt Obligation (CDO) issuances. Evaluated process and controls environment for credit extension / risk management activities including development of Sarbanes-Oxley risk controls and testing matrix for credit risk management. Completed large due diligence projects for startups and established banks.

Led credit analyst team, credit portfolio monitoring and marketing support for large international and domestic food and agribusiness clients. Developed junior and mid-level analysts in credit analysis/deal structuring and coached them for credit committee presentations. Managed over $600MM in commitments (portfolio of 35 client relationships).

Performed credit analysis and co-marketed lending products with regional teams for new business and relationship enhancement. Underwrote and structured the first agribusiness related asset securitization transaction within the bank.

Senior Financial Analyst - underwriting, approval and monitoring for complex new and existing credits; provided financial modeling and analytical support for bank syndications.

- Leveraged Finance Analyst- Completed Citicorp Institute for Global Finance (internal bank credit training program)

Valuation of businesses, intangible assets, and tangible assets for purchase price allocation, litigation support, and pre-acquisition analysis.