Michael M. Albanese is the Vice President of Operations for Cost Reduction Solutions (CRS), an international due diligence and collateral field examination firm, head quartered in Northern, NJ. Michael graduated the Pennsylvania State University in 2008. After working at Major League Baseball’s Player’s Association in the Licensing and Marketing/Communication Departments, he joined CRS in 2010. He manages all company projects including more than 200 active field examinations. Michael is a founding member of the New York Banking & Finance networking organizations geared to mid-level professionals, a committee member of the TMANJ Next Gen and sits on the board of the CFA NJ as the acting Secretary.
Any hobbies people are surprised to hear you have?
I love attending any type of concert and playing backgammon on the beach!
Onesia joined Wells Fargo Bank and the Birmingham Middle Market Banking Team in June of 2014 through the Financial Analyst Program. In which she was a vital team member assisting in risk management of the two billion dollar portfolio consisting of mid-sized companies located in the Mid-South region across a variety of industries. Upon completion of the FAP Program in October 2016, Onesia participated in the Wells Fargo’s Credit Management Training Program in San Francisco, where she enhanced her deal evaluation, debt structuring, underwriting and business development skills. Onesia graduated from the 81st CMTP class in October 2017 and thereafter joined Wells Fargo Capital Finance -Lender Finance Team in Dallas, TX as a relationship manger, where she is responsible for the credit administration of a portfolio of middle market Lender Finance clients including ABL, Factors, Equipment Finance, Life Science and Healthcare. 
I was born and raised in East Norriton, PA, a suburb of Philadelphia. I have 1 younger sister and 2 older step-brothers. I love animals, especially my dog Bentley. I studied at Bloomsburg University of Pennsylvania where I received my undergraduate degrees in Business Marketing, Communications, and Public Relations. After graduation, I began my Master’s Degree Program in business with a concentration in marketing, earning my Master’s in August of 2017. I have worked in marketing for 5.5 years and have been working at DLL for 1.5 years. I love to meet new people, travel, and spend time with my family.
Will Bence is a SVP for MB Business Capital, responsible for developing new asset based lending (ABL) opportunities, primarily in the Michigan and Ohio markets. Previously, Will spent 6+ years managing an ABL portfolio for MB Business Capital and Cole Taylor Business Capital, prior to the 2014 merger with MB. Will has over 10 years of ABL experience and began his career with LaSalle Business Credit and later Bank of America Business Capital, where he served in credit analyst and field examiner positions.
Dustin Bernstein joined Silverman Consulting in 2015 after four years of public accounting experience at PricewaterhouseCoopers within the Financial Services assurance practice. As a Senior Associate at PricewaterhouseCoopers, Mr. Bernstein focused on investment management clients with additional exposure to the real estate and software-for-service industries.
Jenna Birkhold is an Associate at Phoenix Management Services; Phoenix provides hands-on turnaround management, complex restructurings, crisis and interim management, liquidity management and operational solutions. Jenna is responsible for liaising between clients and stakeholders, analyzing client operations and financial trends, managing cash and developing forecasts. Prior to Phoenix, Jenna was Risk Management Consultant at KFDA. She earned her MBA from Babson College: Franklin W. Olin Graduate School of Business and is a Certified Risk Manager.
Tom Boniface began working for Hilco Valuation roughly three years ago. Prior to Hilco, he worked for a private equity-backed company that operates Senior Living Facilities. Tom is a member of the CFA, TMA and ACG, as well as a Bates College graduate.
Art Boyle is a Business Development Officer for PNC Business Credit in the Southwest Region. PNC Business Credit is a leading national provider of secured financing solutions to middle and lower-middle market companies. Prior to joining the originations team in Dallas, Texas, Art held several positions within PNC Business Credit including Relationship Manager and Field Examiner. In addition to the Commercial Finance Association, he is also a member of the Association for Corporate Growth. Originally from the Pittsburgh, Pennsylvania area, Art received his Bachelor of Arts degree from Seton Hill University in Greensburg, Pennsylvania. In his free time, Art enjoys music, sports, and the outdoors. 
Tessa Brend is an Assistant Vice President at North Mill Capital LLC’s Minneapolis office. Tessa joined PrinSource Capital Companies in 2009 as a Credit Team Coordinator. PrinSource was acquired by North Mill Capital in 2011; Tessa was promoted in 2012 to Account Executive and most recently in 2018 to AVP of North Mill. In her current role she handles the financial needs of a portfolio of clients as well as developing and using risk management tools for the Invoice Based Financing division. She is a graduate of St. Cloud State University and involved with the local CFA and RMA chapters.
Mark Cerminaro is Chief Revenue Officer and oversees all business development, third-party relationship management and partnership sales efforts at RapidAdvance. He works directly with the CEO to develop the company’s vision, implement revenue strategies across all channels, and manage revenue growth. Mark has worked in several capacities in his career at RapidAdvance; having built internal sales infrastructure and processes to overseeing all marketing efforts. Prior to joining RapidAdvance in 2007, Mark worked as a financial advisor and associate branch manager with Morgan Stanley, where he managed over $200 million in personal and corporate assets. Mark was a member of the CFA’s inaugural 40 under 40 in 2016. Mark has over 15 years of experience in financial services and holds a Bachelor of Arts from Georgetown University. 
I am currently an ABL Underwriter at Crestmark Bank, where I previously held positions in Field Exam and began my professional career. I graduated from Florida Atlantic University with a BBA in Accounting, and reside in Delray Beach, FL. Since joining Crestmark in 2015, I have grown a passion for the commercial lending industry and have involved myself in the networks associated. Aside from YoPro, I am a board member of the South Florida chapter of the CFA, on the Women In Commercial Finance (WICF) committee and a part of the social media sub-committee, a part of the Association for Corporate Growth (ACG) as a Young Professional member, and a member of the Association of Certified Fraud Examiners (ACFE), as a CFE.
Rob splits his time between restructuring and investment banking. On the restructuring front, he helps stabilize financial and operational performance by developing and implementing comprehensive profitability and working capital plans. On a typical engagement, he will build integrated financial models to forecast the income statement, balance sheet, cash flow and lending compliance of clients and 13-week cash flow forecasts. Work is performed to reassure creditors and investors that the company is solvent and addressing identified problems. On investment banking engagements, Rob prepares confidential information memorandums (CIM), management presentations and handles information request. He is involved in outreach to potential buyers, manages due diligence and negotiates purchase agreements to close the transactions. Work is performed for health and distressed companies from negative to $10M in EBITDA. 
Licia graduated from the Carlson School of Management at the University of Minnesota with a Bachelor’s of Science in accounting and minor in economic theory in 2005. Shortly before graduation, she began her career as a relationship manager at Principal Resources, LLC managing a small portfolio of factoring loans. Over the years she added accounting, human resources, operations and even a bit of IT responsibilities to her job. Now a part of North Mill Capital LLC, Licia serves as the company’s controller and head of accounting and human resources for the Minneapolis office.
Coming from a product background, Avi looks at financing differently than his peers. With a marketing degree from Bryant University, and experience developing consumer products and consumer brands, Avi takes a real world approach to purchase order financing. Prior to entering the finance world four years ago, Avi worked with well-known consumer brands such as Bonobos and Equinox Fitness. Currently serving as the president of the Contemporary Credit Club he enjoys planning social activities for NY/NJ commercial finance professionals including golf outings, theatre nights and cooking classes.
Natalie Lewis began her career as an intern with Wells Fargo Dealer Services (WFDS) the day that Wells Fargo purchased Wachovia; therefore, she feels lucky to have been grandfathered into such a wonderful company. From there she was a Compliance Consultant for all of WFDS. She is now a Collateral Analyst for Wells Fargo Capital Finance, the Lender Finance Team in Dallas, TX. She is responsible for the collateral of a portfolio of lender finance clients, including ABL, factoring, equipment finance, and healthcare. She attended Texas Woman’s University in Denton, Texas for a Bachelor of Science degree in accounting focusing on CPA with a minor in business administration. 
Len Losquadro is the Director of Business Development for The Credit Junction. He is based in New York City and represents the company on a national basis. Len grew up in household of entrepreneurs, both his mother and father running successful businesses in real estate and distribution, respectively. He witnessed firsthand the complete life cycle of a middle market business, from high growth to a successful acquisition and exit. He has carried these experiences and teachings throughout his career in commercial lending. Len started his career at FGI Finance structuring cross-border financing solutions for multinational companies. He then moved to North Mill Capital as a VP of Business Development responsible for originating and executing ABL and factoring facilities. Len graduated from Syracuse University with B.S.B.A in Finance and Entrepreneurship & Emerging Enterprises. 
William Kemp represents Republic Business Credit in the Texas Market. William serves as a Vice President of Business development where he focuses on delivering both asset-based and factoring solutions. In William’s current role, he is responsible for building relationships with accountants, attorneys, bankers, and private equity groups through-out the state of Texas, understanding the business’s working capital needs, and assisting with the underwriting process. Prior to Houston, William spent four years developing the Midwest Region. He is currently one of the co-chairs for the programs committee in the Houston Chapter. William is a graduate of the University of Michigan. 
Karen Marino has a vast range of experience in the asset-based lending industry. Currently, she is an Account Executive for North Mill Capital, LLC. She began her career in the finance industry as an entry level collateral analyst while in college and advancing through the different levels of Field Examiner. In her current role as an Account Executive she handles the financial needs of the customers in her portfolio, as well as ensures that the risk of exposure is continuously evaluated and mitigated. She is a graduate of Rutgers University; she is currently a member of the Philadelphia Chapter of the CFA and involved with different Young Professionals committees. Ms. Marino’s volunteer work includes community outreach, educating children in under privileged areas and volunteering time at a local resource center that provides safe houses, resources, and life skills for people who have been involved or affected by domestic violence.
Heading the Origination and Marketing departments for Republic Business Credit, Robert puts into practice more than 12 years of commercial finance experience. Currently, Robert serves as the President-Elect of Programs for the Turnaround Management Association Midwest Chapter, CFA Executive Committee Member and past President of the Midwest Chapter of the Commercial Finance Association. Robert is a graduate of the University of Chicago and holds an MBA from the Kellogg School of Management. Robert was awarded the CFA’s Top 40 Under 40 Award in 2016.
Nicole Montrone began her factoring career in 2001 at LSQ Funding Group, as an account manager. She quickly transitioned from operations to marketing, taking over all marketing and advertising endeavors for the company. In 2007, she made the natural transition to sales, working as a Business Development Officer tasked with mining transactions from the LSQ Strategic Partner network. In 2011, Nicole made a move to AmeriFactors Financial Group, where she held the role of Business Development Officer for 7 years, achieving Top BDO several years running.
Hoss joined Regions in December 2012 after 9 years with GE Capital and Bank of America. His experience includes Asset Based Lending, Retail Finance, Leveraged Finance, Private Equity Group Lending, Large Corporate Lending and Middle Market Banking. Hoss was a recipient of the CFA 40 Under 40 award (Class of 2016) and was a prior graduate General Electric’s Experienced Commercial Leadership Program. Hoss
Nick Payne is the Director of Originations for Siena Lending Group’s Chicago office. He is responsible for originating, structuring, and executing senior capital solutions for middle and lower middle market companies in the Midwest region. Prior to joining Siena Lending Group in 2015, Nick was a Vice President of Originations for Nations Equipment Finance, sourcing opportunities requiring senior term debt, collateralized by the company’s capital equipment assets.
Brad Rosenthal is a Director in PNC’s Capital Markets group. Brad joined PNC Bank in 2008 through the Corporate & Institutional Bank Development Program. Brad joined PNC Capital Markets in 2009 as an Investment Banking Analyst on a team responsible for the structuring and syndication of cash flow loans for middle-market, large corporate and financial sponsor clients. Brad was promoted in 2011 to join PNC’s asset-based Debt Capital Markets team, which is responsible for structuring and syndicating asset-based facilities, as well as placing junior capital and advising on institutional term loan facilities.
Christopher G. Ross is Of Counsel in the Corporate practice of Paul Hastings LLP and is based in the firm’s New York office. Chris’ experience includes representations of banks, financial institutions, direct lenders and corporate borrowers in middle market and large cap debt financings, including widely syndicated, club and single lender transactions in connection with acquisitions, restructurings and recapitalizations. He has extensive experience advising clients on all aspects of senior secured, first lien/second lien, asset-based and cross border financings. He earned his J.D. magna cum laude at Fordham University School of Law, where he was Order of the Coif. During law school, Chris was an associate editor for the Fordham Urban Law Journal and a member of the Moot Court Board. He received his Bachelor of Arts in Philosophy, Politics and Economics from Pomona College. In 2017, Chris was named as one of the CFA’s 40 Under 40 winners. 
Michael Ticehurst is a Partner and Field Exam Manager for Rosenberg and Fecci Consulting, LLC, with 13 years of field exam experience. He handles routine field exams across all industries as well as effectively managing large, complicated multi-location or multi-entity requests. In addition to Mike’s general industry knowledge, he specializes in technology-related field exams in both the Asset-Based and Recurring Revenue (MRR) structure. Michael plays an essential role in the growth, mentoring and development of the field examiner staff at R&F. He is very involved in developing the Company’s field exam policies and procedures and is also heavily involved in business development. Michael holds a BS and a MBA in Finance from Monmouth University. Michael and is currently on the Executive Board of the NJCFA. Michael resides in Hamilton, NJ, with his wife Jennifer, and his three children, Brayden, Olivia and Hannah. 
Joshua M. Zelig is a member of Cahill Gordon & Reindel LLP’s corporate practice group.