Walter has served as Chief Executive Officer, President or Chairman of the Credit Committee of three major financial institutions. He has been actively involved in developing compliance initiatives and has managed programs making sure that the institutions adhered to compliance requirements. Additionally he has provided consulting services to many organizations.

He has appeared on national and regional television broadcasts and has made presentation to the Office of the Comptroller of the Currency, US Treasury Department and various other commercial organizations, regulatory and legislative bodies.

He graduated from Villanova University earning a BS in economics. Walter was awarded a Certified Public Accountant in Pennsylvania. He is past Chairman of the Board of the Commercial Finance Association.

Richard Jager has over 25 years of experience with increasingly responsible financial and operating management positions in public and private sectors, supporting service and manufacturing companies. He has been successful in organizational restructuring, financial and strategic planning, establishing policies and procedures, and operational improvements.

Throughout his career, he has served in various operational and financial positions including:

• CFO of a $25 million civil construction and environmental engineering services firm
• CFO of a $35 million apparel manufacturer and distributor
• Director of Financial Reporting and Regional Controller for a $600 million electronic protective services company

Richard received his BA - Accounting from Juniata College and his MBA from Temple University. He is a Certified Public Accountant in the Commonwealth of Pennsyvania.

Frank is a global capital markets professional with a focus on investment banking, risk management and structured finance. He has more than twenty years of transactions and advisory experience in senior executive positions with JPMorgan, The Bank of Tokyo-Mitsubishi, Price Waterhouse, and Moody's-MKV.

For corporate clients Frank has led analytical strategy teams to identify risk exposures (competitive market analysis, commodity, currency, interest rates) and implemented derivatives-based solutions (both at the balance sheet level and through ongoing hedging programs of operational activities). He has advised financial institutions on market and credit risk systems and models, capital adequacy, optimal liability structure and securitizations, and helps institutions assess risk and value of distressed loans, mortgages, and structured products.

In the commercial real estate industry, he provides rigorous financial investment analysis on property acquisition projects, audits valuation and risk assessment models, provides commercial real estate loan workout advisory services and assists with the disposition of the loans and the underlying property assets.

Frank currently teaches finance at NYU as an adjunct professor. He also held a previous assignment at NYU's Polytechnic Institute as Professor in Financial Engineering and Program Director.

Frank holds a B.Sc. degree in mathematical economics and business from the University of Lausanne. He studied as a Postgraduate Fulbright Scholar at the University of Chicago, and earned his PH.D. in financial economics at the University of Geneva.

Rich Miller has over 25 years experience in project management, facility and site planning and analysis, serving in senior management positions with major health care systems and regional and national development firms.

He has designed and authored need assessment studies for specialized regional healthcare services. Rich has also conducted forensic accounting studies for the healthcare and real estate industries. In addition, he has led successful entrepreneurial ventures in metals manufacturing, hospitality, electronic timekeeping/payroll, and commercial and healthcare real estate development.

Rich received an MBA in marketing and finance from Temple University and a BA from Penn State.