Michael Albanese, Jr.

Michael M. Albanese head shot

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 Baldwin

Onesia Baldwin headshotOnesia 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. 

Jennifer Bello

JenniferBello_DLLI 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.

Any hobbies people are surprised to hear you have?
Snowboarding, Hiking, Dining out

Vacation spots you recommend?
St. Martin, Italy

William Bence

WilliamBence_MBWill 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.

Will is an active member of the Association for Corporate Growth (ACG), Commercial Finance Association (CFA) and Turnaround Management Association (TMA) and serves on the CFA Education Committee. 

Dustin Bernstein

DustinBernsteinDustin 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.

At Silverman, Mr. Bernstein assists clients with cash flow forecasting, financial modeling, and turnaround management. He has lead clients in preparing a 13-week cash flow forecast, bank forbearance negotiations, and long-term strategic planning. Most recently, Mr. Bernstein has assisted a $250 million sporting goods distributor through a Chapter 11 bankruptcy, a $50 million railroad crosstie manufacturer through a capital raise, a $25 million sports licensing & manufacturing through liquidation, and a $30 million knitted pile fabric manufacturer with debt advisory services.

Jenna Birkhold

BirkholdJenna_PhoenixManagementJenna 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.

Any hobbies people are surprised to hear you have?
I enjoy playing console video games, mainly FPS.

Tom Boniface

Tom BonifaceTom 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.

Any hobbies people are surprised to hear you have?
I am an avid competitive swimmer, biker and car enthusiast; part-time nacho reviewer. 

Art Boyle

ArtBoyleArt 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

Tessa Brend.jpgTessa 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.

Outside of work she enjoys spending time with her husband their three- and one-year old daughters and furry four-legged children.  They spend a lot of time at the family cabin on the lake and goofing around at home.

Tessa has organized the Minneapolis offices’ annual Toys for Tots or Adopt A Family and food shelf drive each year around the holidays.  She’s also coordinated team building and volunteering events.

Mark Cerminaro

MarkCerminaroMark 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. 

Eva Chaleff

EvaChaleff_HeadshotI 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.

Any hobbies people are surprised to hear you have?
Playing guitar and piano. 

Jonathan Craig


Jonathan Craig is an accomplished, professional, full-cycle recruiter recognized by peers as a confident and capable individual who possesses strong interpersonal and communications skills and the ability to relate to management and associates on all levels. He is responsible for over 150 successful placements in the asset-based lending, factoring, and supply chain industries over the last eight years.

Any hobbies people are surprised to hear you have?
I enjoy four wheeling and shuffleboard.

Vacation spots you recommend?
There are two that are my favorite. Barcelona has eclectic, gaudy architecture and a friendly culture. It’s an excellent representation of Europe. My other favorite is Moab, Utah, partly because it’s the four wheel capital of the US, and for good reason. It is a marvel of nature, extraordinarily beautiful. Go camping, go hiking, or what have you. If you like being outdoors, this is the place to be.

Rob Cleary

RobClearyRob 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 Jacques

JacquesLicia_NorthMillCapitalLicia 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.

Seeking to balance the structured nature of commercial finance, Licia completed a yoga teacher training program in 2013 and leads yoga and group fitness classes at a boutique studio in Minneapolis.  Licia is also a member of a women’s community service group; she has enjoyed serving as chapter president, treasurer, secretary, and parliamentarian as well as working on service projects and attending member socials.

Avi Levine

Avi Levine_StarFundingComing 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.

Any hobbies people are surprised to hear you have?
I have always enjoyed skateboarding and just recently bought my first electric skateboard. It goes 25 miles per hour, and my mom can no longer sleep at night. 

Natalie Lewis

NatalieLewis_WellsFargoNatalie 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

LenLosquadro_CreditJunctionLen 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

WilliamKemp_RepublicWilliam 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. 

Nneoma Maduike


Nneoma is an attorney in Otterbourg’s nationally recognized banking and finance practice. Nneoma represents financial institutions in all aspects of financing transactions. She has established herself with the firm’s clients as an essential and indispensable member of their legal team and brings to her legal practice the ability to formulate and maintain lasting client relationships.

Within the firm, Nneoma has a particular focus in enhancing Otterbourg’s role as a leader in diversity and, through her efforts, Otterbourg was one of the founding member firms of the New York chapter of the Coalition of Women’s Initiatives in Law, a non-profit focused primarily on advancing the recruitment, retention and promotion of women lawyers.

Nneoma has been recognized in Best Lawyers in America as one of the top 15 Women of Influence in America and is a winner of the 2017 Commercial Finance Association 40 under 40 Awards. 

Karen Marino

KarenMarino_NorthMillKaren 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.

Rob Meyers

RobMeyers_RepublicHeading 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.

Currently President, COO and Managing Member of Republic Business Credit.

Any hobbies people are surprised to hear you have?
My first entrepreneurial investment was in a craft brewery back in 2013.  Outside of that I really enjoy unique dining experiences paired with a bottle of wine. 

Nicole Montrone

NicoleMontrone_ENGSNicole 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.

In 2017, an opportunity presented itself that she could not pass up.  ENGS Commercial Finance was opening a factoring company and she would be one of the originating staff members.  She accepted the position of Business Development Officer working for Tania Daniel, Managing Director.  Since the onset of ECC, Nicole has moved into a new challenging role as VP of Strategic Initiatives. 

Howard Moore


Howard is responsible for generating, analyzing, structuring and managing new client relationships.  With his extensive experience working through new and existing transactions, Howard has a very unique and in-depth way of looking at his clients. Prior to Gerber, Howard has worked with a wide variety of of companies across many industries nationwide.  Howard is a member of the New York Commercial Finance Association, New Jersey Commercial Finance Association, National Commercial Finance Association, Garden State Credit Association, New York Banking and Finance, Needlers Foundation and Big Brothers Big Sisters of NY.  Howard graduated from Rider University with a B.A. in Liberal Arts, Focused on Business and a Minor in Communications. 

Hossein Nouri

Hossein K. Nouri Photo 300dpiHoss 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
earned a BS in Management from George Mason University, an MBA in Finance from George Washington University and a Master in Economics from Columbia University and is a registered representative (Series 79).

Any hobbies people are surprised to hear you have?  I started a collection of rare/hard to find history books – got a rare edition of Machiavelli’s ‘The Prince’ and Vladimir Batrol’s ‘Alamut’. 

Kat Parker

HYPERAMS director of business development Kat Parker joined the firm in 2012. Since that time, she has held several titles and was responsible for the implementation of HYPERAMS’ auction operations and processes. Kat’s current duties include establishing and maintaining relationships with machinery and equipment and inventory appraisal clients, including financial institutions and asset-based lenders, in the Midwest and Southeast territories. She is also in integral member of the Auction Services team and provides auction operations support. Kat is a Repperts Auction School graduate and currently holds an auction license in the state of Illinois. In addition to business, Kat is invested in professional development and is an active member of several industry organizations, including the Turnaround Management Association (TMA) Midwest Chapter and the Commercial Finance Association (CFA) Midwest Chapter.

Nick Payne

PayneNick_SienaLendingNick 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.

Nick started his career at Morgan Stanley in New York City before moving to the asset manager and commodity specialist, Van Eck Global.

Nick was recognized as a 40 under 40 by the Commercial Finance Association for 2018. Currently, he is a candidate for the Level 2 CFA Exam.

Brad Rosenthal

BradRosenthal_PNCBrad 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.

Outside of work, Brad is the co-founder and chairman of the Tri-Rivers Heritage Foundation, an organization with the goal of providing children within the Pittsburgh community the resources necessary to build a strong foundation for future success. 

Christopher G. Ross

Christopher RossChristopher 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

MichaelTicehurstMichael 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

JoshuaZelig_CahillGordonJoshua M. Zelig is a member of Cahill Gordon & Reindel LLP’s corporate practice group.

Josh’s practice is principally focused on representing leading commercial and investment banks in leveraged finance and asset-based lending transactions, including bank financings and leveraged buyouts, recapitalizations, bridge lending and loan commitments and debt and equity offerings. He represented the financing sources in numerous acquisition-related financings, including the acquisitions of Team Health and Gates Global by Blackstone, an investment in JDA Software by Blackstone, the acquisition of EMC by Dell, the acquisition of Vertafore by Bain Capital and Vista Equity Partners, and the acquisition of BMC Software by Bain Capital and Golden Gate Capital. Josh has represented the initial purchasers in several recent high yield debt offerings for Conduent, Tesoro Logistics, PBF Energy, HCA, HD Supply and First Data. Josh has also represented the underwriters in the initial public offerings for HCA, Townsquare Media, PBF Logistics, and PBF Energy.

Josh has experience practicing in a variety of industries including healthcare, financial services, media and communications, retail and food services, energy, and technology.

Josh is recommended as a leading finance lawyer by the IFLR1000 and The Legal 500.

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