I am a seasoned lender and credit officer with a focus on WHY instead of HOW in all aspects of lending and credit. My expertise includes analysis and interpretation of the complex intricacies of the high net worth client and prospect, with specificity in the areas of: global cash flows; the prudent and proper use of leverage; and, the identification and avoidance of potential problems. Whether working with a lending institution, a wealth/investment advisor, or a professional who serves this unique market – I provide a significant value add in the underwriting, structuring, negotiation, and documentation of lending transactions that are specific to each challenge or opportunity. With a background encompassing collections, workouts, and the identification and mitigation of risk, I am uniquely positioned to adaptation depending on circumstances and conditions. As a skilled instructor in the areas of credit analysis, underwriting, and lending to both the high net worth and legal market, I operate with transparency and clarity.