How I can help you
I worked as a 40+ year career commercial loan officer financing a wide variety of service and manufacturing companies, in addition to real estate developers. I spent approximately six years in credit management and bank risk management positions. Business development and meeting new loan customers was a part of my daily routine. I also have experience counseling and coaching other younger bank lenders as they developed in their own careers.
I can help identify financial problems and issues, as well as determine break-even operating data, both from historic and prospective viewpoints. I am able to quanify cash flows from business operations and identify trends (both strengths and weaknesses) for most bsuiness owners.
Areas of Expertise
- Business Finance & Accounting
- Business Strategy & Planning
- Banking, Financial Services and Insurance
- Construction, Industrials and Utilities
AB Degree in Economics, Middlebury College, May, 1974
Completed numerous additional Accounting Courses in cost accounting, contractor accounting and source/use of funds analysis through Siena College Evening Division (Loundonville, NY) and through Robert Morris Associates (Bankers' Education Institute).
Completed 18 Credit Hours of study in the Graduate Business School at RPI (Troy, NY) in 1984-85 concentrating in Finance, Accounting and Business Problem Theory & Resolution. I never matriculated into their degree program due to career chnage.
Spent three years at Norstar Bank (Albany, NY) as an instructor in the Omega Loans to Business Trainign Program as an in-house Leader and Instructor for b ank personnel learning financial analysis in order to become young commercial lenders in the bank's branch system.