• Gain an Inside Awareness of Credit Risk Tools Used by Creditors
• Building a Bridge Between Debtor and Creditor
• I Have Experience, Lots of it
• I Started my Commercial Banking Career During Recessionary Periods Back in the Early 1980’s
• I Fought Just as Hard for the Borrower as I Did the Creditors
• I was Very Successful in Bridging Both the Borrower and the Creditor
• The Career Climaxed in 2009 (Great Recession); 12 More Years as a Commissioned Bank Examiner at the Federal Reserve Bank of San Francisco
• I Have Been There and Done That, from Wall Street in New York City to Honolulu, Hawaii
• I Know What I'm Talking About