I have worked as a commercial credit analyst, commercial lender, merchant banker and relationship manager both in USA and overseas for over 20 years. Over the years, I have acquired the necessary banking credit skills and experience to handle lending transactions of any magnitude. I have been honored as the best lending manager by an international bank and received many rewards of excellence. In my many years as a commercial lender I have literally reviewed thousands of business plans, loan requests, financial statements, cash flow projections, and other borrower information for companies ranging from start-ups to mature large enterprises of all disciplines. I am vastly experienced in all types of commercial loans, including SBA loan programs, credit review, credit analysis, credit underwriting and impaired assets management. I have written and continue to write articles on money matters and business plans tailored for commercial funding. I am an accountant, a small business growth coach and a trained lender. I provide outsourced credit analysis/underwriting support to financial institutions, write business plans for funding, package and place commercial loan, including SBA loans and diagnose business inefficiencies.