Mr. Fennell has 20+ years’ experience in all aspects of commercial banking administration including loan administration, credit, risk and portfolio management. Mr. Fennell specializes in distressed asset resolution and most recently actively managed the liquidation of a large portfolio of complex troubled assets for a Dallas-based institution. Activities included developing and executing litigations and bankruptcy strategies and resolution of large loan relationships and high-profile borrowers.

Prior to beginning his consulting career, Mr. Fennell served as Credit and Portfolio Manager for a large Commercial Real Estate Investment Corporation, overseeing a $1 billion portfolio, where he underwrote high profile, large loans and provided guidance to loan officers in structuring transactions and policy and regulatory conformance. Mr. Fennell brings extensive experience in construction and development lending, operating companies, agricultural lending, private equity, real estate management, and acquisitions and dispositions.

Mrs. Kiser has a 20+ year career in the banking industry with experience as a commercial loan underwriter and a loan review consultant. Her experience is focused on commercial real estate, construction lending, C&I lending, credit analysis, real estate economics and credit risk.

Mr. Logsdon began his 40+ year career with the Farm Credit System, in various locations in Oklahoma and New Mexico. During his tenure, Mr. Logsdon acted in various capacities, ranging from Collateral Inspector to Chief Credit Officer, including building and servicing a $75MM Capital Markets participation portfolio. Representative experience includes collateral evaluation; loan/participation servicing and underwriting; internal policy development and revision; compliance with internal and regulatory policies; servicing problem loans including foreclosure and bankruptcy; preparation of board/management credit and allowance for loan loss reporting.

Mrs. Maclaskey has spent her 15-year banking career working in community and regional banks ranging from $80MM to $15B. She has an established background in credit, risk and portfolio management developing, implementing and overseeing credit risk departments in various stages through acquisitions, mergers and significant asset growth. She has experience in agricultural, energy, commercial real estate and commercial lending as well as enterprise risk management, due diligence, policy development and allowance methodologies. She holds her MBA from Texas Tech University, is a graduate of the Texas Tech School of Banking and graduated with honors from the Graduate School of Banking at Colorado University.

Mr. Ogden has 40+ years of banking experience as a bank regulator and loan review officer. Prior to consulting, he spent worked as a Loan Review Officer for the First National Bank of Omaha, a $22 billion Omaha-based bank. Prior to this, he spent time working for the Farm Credit Bank of Omaha as a Senior Loan Review Analyst and the Office of the Comptroller of the Currency as a regulator. During his career he traveled extensively throughout Nebraska, Iowa, South Dakota, Colorado, Wyoming, Kansas, Missouri, Illinois, Texas, and Arizona performing credit reviews on commercial and agricultural portfolios. His expertise includes credit review and analysis, assessment of the ALLL, problem loan workouts, bank operations, credit administration, loan portfolio management, assessment of portfolio quality and management oversight. In addition to these technical skills, he has developed bank policies and procedures, written and developed training procedures and workflows, and worked with internal technology groups in developing, testing and implementing internal loan review software systems and processes. During his career he was frequently asked to participate in due diligence reviews when new banks were being acquired based on his banking experience and regulatory background.

Mr. Palm has 40+ years of experience in all aspects of banking. After beginning his career as a management trainee in a large regional bank, he spent over a decade with the FDIC, reviewing problem banks and leading teams that took over and liquidated failed banks. As an SVP in the Farm Credit System, Mr. Palm served in various credit, special assets, and lending functions. Expertise includes credit underwriting, review, and administration; regulatory compliance; foreclosure and bankruptcy.

Mr. Potts has 30+ years’ experience in underwriting, reviewing, and managing loan portfolios. These include: agricultural credits, commercial mortgages, commercial operating lines, and large complex construction lending and development loans. Mr. Potts started his banking career spending twelve years as a National Bank Examiner with the Office of the Comptroller of the Currency (OCC) supervising the examinations of community banks and large regional banks. He also participated in Shared National Credit examinations, reviewing large and complex credits. He spent the next 20 years concentrated on financial lending and retired from his role as Chief Credit Officer with a commercial & agricultural bank in Kansas. Most recently, Mr. Potts has worked as a consultant in the financial industry. His expertise includes risk management, controls, policies and procedures and analysis of the ALLL. Mr. Potts received his BBA in Accounting from Texas Tech University and is a Certified Public Accountant.

Mr. Renfro began his 25+ year career as a Commercial Loan Officer. He became a Credit Administration Manager responsible for direct supervision of the department including new credit approval, credit evaluation, construction loan disbursement, collateral releases, completing the problem asset reports, and training new staff. Mr. Renfro became a Community President of Mid-Missouri Bank where he was responsible for all aspects of branch operations including: managing deposits, loan portfolio growth and management, and supervision of staff. Mr. Renfro was later engaged by the FDIC as a loan review specialist to complete asset quality reviews. In addition to risk classification, Mr. Renfro evaluated the Bank’s underwriting and loan administration practices. Mr. Renfro continued to gain experience as a Loan Review Manager and Specialist for a $14B institution. He has substantial experience in leading reviews for all industries and developing controls and procedures for enhancing credit administration. His expertise includes commercial real estate, commercial and industrial, agricultural, consumer and mortgage, and SBA lending. He specializes in risk rating accuracy, financial statement analysis, problem loan identification and management, ALLL review and methodology, loan documentation, and collateral perfection.

Mrs. Sanders has 17+ years of banking experience in consumer, commercial, agriculture and mortgage lending, loan review, compliance and credit risk management. Mrs. Sanders specializes in underwriting, financial analysis, credit risk assessment and loan documentation reviews to ensure compliance with bank policies, procedures and regulations. Over the years, Mrs. Sanders has supervised, trained and mentored commercial and consumer real estate lenders as well as lending support staff. Areas of training have included consumer, commercial, agriculture and mortgage lending, entity, loan and collateral documentation and regulatory compliance. Prior to beginning her consulting career, Mrs. Sanders served as Loan Compliance Officer and Branch Coordinator for a community bank located in Southeast Missouri.

Prior to consulting, Mr. Smith was a Vice President and Loan Review Manager in the Risk Support Services Division of Wachovia’s Risk Management Group. His responsibilities included regional management of Loan Review and due diligence staff, assessing the quality of assets and credit processes of the corporation, training corporate lenders in risk management and credit grading, and specific loan review responsibility for the Defense & Aerospace, Asset Based Lending, Corporate Leasing, Rail Car Group, Transportation and Construction Group and Special Asset (Loan Work-out) areas. Mr. Smith’s prior experience includes over 25 years in banking with First Union, First Fidelity Bank, Meritor Savings Bank and Bank Leumi Le-Israel in commercial lending, risk management, credit administration and loan review.

Mrs. Souza began her 20+ year professional career in banking in the Credit Department for a community Bank located in Kansas. She also has a background in audit, financial statement preparation and business processes. Most recently, Ms. Souza has held the position as corporate controller. In this role, she managed businesses with over $50MM in revenue in various industries including Health Care, Cable and Digital Media, Oil and Gas, and Wholesale Commerce. Her experience includes financial statement analysis, tax return analysis and audit processes. Her previous positions included Sr. Financial Analyst, Sr. Vice President, Manager of Strategic Analysis and Business Planning.

Ms. Tedrow has a broad background in credit administration, underwriting, loan operations, loan review, financial analysis, and commercial lending spanning 20+ years. She has a unique combination of experience, having worked in a large regional bank, a mezzanine lending firm, and a de novo community bank. Prior to beginning her consulting career, she was Senior Credit Officer for a community bank where she had previously grown a $40MM commercial loan portfolio consisting of more than 100 customers. Ms. Tedrow currently provides consulting services to the financial services industry with an emphasis on commercial lending and related litigation. Continuing education includes real estate licensing courses as well as successful completion of the rigorous CIRA certification offered by the Association of Insolvency and Restructuring Advisors.

Mrs. Tevis began her 20+ year career as a loan review analyst at a $3B bank in Kansas City, MO and continued her career in Banking with positions held as a Special Asset Office and Commercial Underwriter. Ms. Tevis is a commercial lending and credit administration professional experience in commercial real estate (CRE), C&I, commercial and residential construction and development and agricultural lending, with a strong background in loan and portfolio management, review, risk analysis and servicing. Proven record of quality, efficiency and integrity, with a strong attention to detail and high level of accountability.

Mr. Tomlinson has been directly involved with organizations including a small community bank, a large regional bank and one of the largest global investment firms in the world. He has 25+ years’ experience in the underwriting of both commercial real estate and commercial and industrial lease/loan options for customers ranging from sole proprietorships to large publicly traded companies. While working at these financial institutions his positions gave him the opportunity to analyze various size transactions while managing a portfolio and making recommendations to both relationship managers as well as senior management on a daily basis. In addition to his risk management responsibilities Mr. Tomlinson utilized his past auditing experience to assist with both internal audits as well as regulatory compliance audits as they were requested through the years. As a result of his many years in the banking industry working for several different institutions Mr. Tomlinson gained experience working with and beta testing a variety of financial statement spreading packages as well as various documentation imaging systems.

Mr. Wright began his career in agricultural lending in 1980 in California's Imperial Valley. In ensuing years, additional expertise was obtained in commercial lending, commercial real estate, energy, tribal economic development and real estate development in metropolitan and rural markets in California, Arizona, the Northern Rocky Mountain States and New Mexico in national and state-chartered banks and a Farm Credit Association. From 1992 onward, he held Senior Management positions (CCO or CEO) with institutions undergoing growth related stress or material asset quality issues with enhanced regulatory scrutiny. The latter involved the direction of and active participation in policy and procedural development, loan review, special assets, lending functions, staff development, asset and liability management and Board reporting and participation. These positions required both remedial and market/production recovery.