Steve has over 20 years of experience in the field examination and asset based lending industry and has the following qualifications:• Licensed CPA in New Jersey and New York.• Member of the AICPA, NYSSCPA, NJSCPA and the Commercial Finance Association Education Foundation.• Former chairman of the “Cooperation with Bankers and Other Credit Grantors” committee of the NYSSCPA.• Author of six articles on the subject of field examinations appearing in The CPA Journal (8/97), The Secured Lender (1/00) and The Secured Lender (8/03), The Secured Lender (7/05), The Secured Lender (4/09), ABF Journal (5/14).• Has testified as an expert witness in US Bankruptcy court.• Has provided forensic evidence used by civil and criminal prosecutors, Secret Service and the FBI in lender fraud cases.Founded in 1996, R & F provides our clients with a broad range of due diligence and financial business services, with a particular focus on field examinations. Our diverse client portfolio has grown to include major banking corporations, middle market and asset-based lenders, finance companies, factors, private equity groups and hedge funds.Our management team includes the firm’s five partners who have a great depth of experience and knowledge in lender services. In addition, each partner comes from a variety of backgrounds and industries, including Asset-Based Lending, Financial Control, Banking, Operations Management, Finance, Auditing, Underwriting and Public Accounting.R&F maintains an information security policy to safeguard against unauthorized data access. We analyze lines of credit that range from start-ups to investment grade borrowers across a wide range of industries. Some of our specializations include technology, commodity & energy, energy service companies (ESCo) and monthly recurring revenue (MRR).