Rich Denman - Founder and President, Cascade Credit Services; Co-Founder and Managing Director, Cascade Financial Management
Rich founded Cascade Credit Services in 1995, and, seven years later, co-founded Cascade Financial Management, a complementary financial management consulting practice. Prior to founding CCS and CFM, Rich spent over twenty years at US Bank, principally in the Portland, OR headquarters. From 1984 to 1994, Rich managed US Bank’s Accounts Receivable Department, overseeing the bank’s ABL portfolio monitoring functions, and was responsible for commitments in excess of $1B. During this time, Rich also consulted with the bank’s Investment Division to structure US Bank’s first trade receivables securitization. Rich holds a Bachelor of Arts in Economics from Oregon State University and is a graduate of the Pacific Coast Banking School at the University of Washington.

Rod Bowers - Vice President, Senior Examiner, Cascade Credit Services
Rod has a very diverse background in finance. His early career was spent in South Africa in banking and manufacturing concerns including Ford Motor Company. Subsequently, Rod spent ten years at US Bank as a Collateral Examiner, Special Assets Officer, and in credit review. Prior to joining CCS, Rod also served as an examiner for Congress Financial and in credit review with West Coast Bank. Rod’s expertise includes examination within the financial services and forest products industries. Rod also heads CCS’s credit examination and bank loan portfolio review teams. Rod holds a banking diploma from the Institute of Bankers in South Africa and received his Certificate in Accounting and Company Secretarial Practice from The Southern African Institute of Chartered Secretaries and Administrators.

Steve Duckett - Senior Examiner
Based in Denver, Colorado, Steve services Rocky Mountain region clients for Cascade Credit Services. Prior to joining CCS, Steve worked in various analyst, examiner, and ABL management positions for The CIT Group. Steve has experience in virtually all major Rocky Mountain industries. Steve holds an MBA from DePaul University and a Bachelor of Science in Accounting from the University of Illinois Urbana/Champaign.

Greg Eddie - Senior Examiner
Responsible for bank exams and ABL audits, Greg has extensive experience in the forest products, technology, and distribution/logistics sectors. Prior to joining Cascade Credit Services, Greg served as an Assistant Relationship Manager at US Bank and as Controller for a family business. Greg has a Bachelor of Science degree in Computer Science and Math from the University of Puget Sound.

Eric Fernandez - Examination Officer
With extensive experience in the California market, Eric conducts collateral exams for CCS’ Southern California clients. Prior to CCS, Eric specialized in ABL examination with US Bancorp Financial and Foothill Capital, and then moved to examinations and credit analysis with CIT and underwriting at GE Capital Commercial Finance. Eric holds a degree in Finance from California State University/Long Beach and an MBA from the University of Redlands.

Bruce Jolliff - Examiner (CCS); Manager (CFM)
Bruce specializes in supervising collateral exams for CCS clients in agricultural production and processing businesses in Eastern Washington and Idaho. For Cascade Financial Management, Bruce leverages over thirty years experience in both private and public accounting as a controller, CPA, CFE, and financial consultant, providing a wide range of clients and industries with financial expertise, particularly in the areas of systems/operations analysis, troubleshooting, fraud investigation, and cash flow optimization. Bruce holds an accounting degree from the University of Portland and CFP and CFE certificates.

Ron Klaus - Senior Examiner
A specialist is examining “troubled” accounts where process collapse or fraud may be at issue, Ron has fourteen years experience in field examinations on a wide variety of clients and industries. Prior to Cascade Credit Services, Ron worked at US Bank, West One Bank, and Bank of the West. He graduated from Washington State University with a degree in finance and economics.

Dennis Koga - Examination Officer
Dennis began his career at US Bank in loan administration and collateral examination, followed by examinations work at the National Bank of Canada and LaSalle Business Credit. He is very experienced in the forest products, manufacturing, and agriculture industries. Dennis graduated from Portland State University, earning a Bachelor of Arts Degree in Arts and Letters.

Miriam Rasmussen - Senior Examiner
Miriam holds a strong and diverse commercial finance background, with specializations in factoring and asset based lending. Miriam worked for U.S. Bank for over ten years in various commercial lending positions, including the Accounts Receivable Department, branch loan officer, district commercial services officer, and small business approval officer. Miriam holds a Bachelor of Science degree in Business Administration-Finance from the University of Oregon, and was a graduate of the Northwest Intermediate Commercial Lending School.

Manuel “Manny” Tolentino, Jr. - Senior Examiner
Manny oversees Cascade Credit Services’ Canadian activities from Vancouver, British Columbia. Manny has extensive experience in domestic and international business garnered in Asia, the US and Canada. He began his career as an auditor with Sycip, Gorres, Velayo and Co. in Manila, Philippines. Upon moving to Los Angeles, he first worked at U.S. Bancorp and subsequently served as Assistant Vice President – Audit Manager/Senior Loan Officer for Finova Capital Corporation. Prior to joining CCS, Manny formed SVK Business Loan Consultants in Richmond, British Columbia. Educated in Manila, Manny received a Bachelor of Science in Commerce/Accounting from the University of Santo Tomas.

Sharon Climer - Office Manager
Sharon manages office operations for both Cascade Credit Services and Cascade Financial Management; she also serves as an administrative aid to the companies’ management and examination teams. Sharon has an outstanding customer service and project management background: prior to joining CCS, Sharon garnered over twenty years experience in sales, technical/customer service, and operations management at Tektronix Inc. and Synopsys Inc. Sharon is an alumna of the University of Portland and Marylhurst College.