The Cascade Credit Services Client Services team prides itself on its understanding of clients industries and businesses, and offers unsurpassed responsiveness, dedication and professional expertise. Each member of the Cascade Credit Services Client Services team offers extensive experience garnered both at CCS and at top financial institutions. Cascade Credit Services Client Services teams are located in Oregon, Washington, northern and southern California, Colorado, and British Columbia.

WESTERN OREGON

Rich Denman – Founder and President

Rich founded Cascade Credit Services in 1995, providing due diligence for Pacific Northwest lenders, and, seven years later, co-founded Cascade Financial Management, a complementary financial 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 ABL portfolio monitoring function. Responsible for commitments in excess of $1B, Rich also helped to structure the bank’s first trade receivables securitization. Rich holds a BA in Economics from Oregon State University and is a graduate of Pacific Coast Banking School at the University of Washington. Rich does Bikram (hot) Yoga in his off-hours and also climbs mountains. He enjoys hiking and cycling around the Northwest as well. (s)

Rod Bowers – Vice President, Senior Examiner

Rod’s early career was spent in South Africa in banking and manufacturing concerns including Ford Motor Co. Subsequently, Rod spent ten years at US Bank as a Collateral Examiner, Special Assets Officer, and in Credit Review. Rod was also an examiner for Congress Financial and had three more years in Credit Review with West Coast Bank prior to joining CCS in 2002. Rod’s specialized expertise includes examination of financial services companies. Rod also heads the CCS Bank Credit Exam team. Rod received a Certificate in Accounting and Company Secretarial Practice from The Southern African Institute of Chartered Secretaries and Administrators in 1987 and holds a banking diploma from the Institute of Bankers in South Africa. (s)

Greg Eddie – Senior Examiner

Greg has been with Cascade Credit Services since 1997. His work entails completing bank exams and ABL audits, with extensive experience in forest products, technology, and general distribution businesses. Prior to joining Cascade Credit Services, Greg spent five years as an Assistant Relationship Manager at US Bank and served as Controller in a family business. Greg has a Bachelor of Science degree in Computer Science and Math from the University of Puget Sound. (s)

Ron Klaus – Senior Examiner

Ron has been doing field examinations since 1991 and has gained expertise working with 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. Ron joined CCS in 2000. Outside of work Ron enjoys woodworking and photography. (s)

Miriam Rasmussen – Senior Examiner

Miriam holds a diverse commercial finance background; having worked in both factoring and asset based lending in roles that include business development and portfolio management. Miriam worked for U.S. Bank for over ten years in various commercial lending positions, including the Accounts Receivable Department, loan officer, district commercial services officer and small business approval officer. After taking a break to spend time with her family, Miriam joined Cascade in 2001. Miriam holds a B.S. in Business Administration-Finance from the University of Oregon. She was a 1990 graduate of the Northwest Intermediate Commercial Lending School and completed an Intermediate/Advanced audit course in 2009. In her spare time she enjoys skiing, hiking, boating, Girl Scout leadership, gardening, and traveling. (s)

Justin Strub – Examination Officer

Justin joined the Cascade team in Portland in 2011. He holds a strong and diverse background in commercial lending in the region. Prior to joining Cascade, Justin worked at Banner Bank as a Senior Credit Analyst and prior to that was with West Coast Bank’s ABL department as a collateral examiner for over 3 years. With these experiences, Justin brings a strong customer service orientation along with solid asset based lending roots. Justin holds a Bachelor of Science degree in Managerial Economics from Oregon State University. Outside of work Justin enjoys traveling, playing golf and spending time with his family and friends. He also enjoys watching his alma mater’s football team and the local professional basketball team, the Trailblazers. (s)

Sharon Climer – Office Manager

Sharon manages office operations for both Cascade Credit Services and Cascade Financial Management. 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. Sharon has been with Cascade since 2002. Sharon’s pastimes include cycling, whitewater rafting, bowling, photography and baking. (s)

Julia Chapman – Project Coordinator

Julia comes to CCS with a background as an entrepreneur who ran a successful wood products manufacturing operation for more than fifteen years. Using this background she has since continued in both sales and business management as well as providing accounting expertise to businesses using Quickbooks accounting. Julia has a degree in business from George Fox University. Her duties at Cascade include bookeeping, coordinating benefits, website maintenance and technology project coordination. She also performs inventory test counts and other examination support services with CCS. She enjoys cycling, hiking, climbing and Bikram yoga. Her hobbies include gardening, reading, hand spinning yarn and knitting. (s)

Colorado

Eve Sherwood – Examination Officer

Prior to joining CCS, Eve worked for eight years in Detroit as a forensic accountant for the leading international forensic accounting firm, Matson, Driscoll & Damico, LLP, engaged primarily in validating insurance claims and identifying fraud. Prior to this, she was an internal auditor in a manufacturing company. Eve earned a B.A. in Accounting and a BS in Environmental Policy Studies from Michigan State University. Eve conducts finance and manufacturing exams as a specialty with CCS. Eve enjoys reading fiction, Pilates and yoga, hiking and climbing in the Rocky Mountains, and watching her alma mater’s basketball and football teams. (s)

NORTHERN CALIFORNIA

Bill Ray – Examination Officer

Based in Sacramento, California, Bill services Northern California region clients. Prior to joining CCS, Bill formed WRA in Sacramento, California. WRA was a consultancy providing business plans and consulting services in Northern CA. Bill has previously worked as a commercial lender at various community banks including Service 1^st and regional banks such as Guaranty Bank throughout a twenty year banking career. Bill holds a history degree from San Diego State University, and is a graduate of the California Bankers Association Commercial Lending School. (s)

SOUTHERN CALIFORNIA

Andrew Greene – Examination Officer

Andrew began his career as an auditor in public accounting at Ernst & Young, and then was employed as an asset-based lending field examiner and supervisor at City National Bank and Sanwa Bank California. He then served as the VP-Finance of a privately held company, followed by a stint as the Corporate Controller of a subsidiary of a publicly traded company. Andrew’s education includes a BA in Economics from the University of California at Santa Cruz, in addition to two Master of Arts degrees, one in Accounting and the other in Business Taxation, both from the University of Southern California. Andrew maintains his CPA license. In his spare time, Andrew enjoys hiking in the San Gabriel Mountains in Southern California. (i)

Bill Wall – Examination Officer

A long time Southern California resident, Bill received his BS in Business at CSU Long Beach and a Certificate in Commercial Bank Lending from CSU Fullerton. He quickly started an audit career with Chase Commercial and City National Bank. Following a stint in private business as Controller of a printing company, Bill returned to audit management at Manufacturers Bank where he was VP and Audit Manager until 2003. Specializing in evaluation of inventory, Bill also worked with Dovebid, Inc. as a manager conducting inventory appraisals. Bill joined Cascade in 2008. (i)

Bill Leishman – Examination Officer

Bill serviced the Southern California area for 18 years with one lending institution surviving three ownership changes – U.S. Bancorp, FINOVA, and Guaranty Business Credit – until 2006. His Senior examiner expertise is in asset based financing performing mainly complex new business and cash flow audits. Before joining the industry, he was controller of a small printing company whom had a A/R revolving line of credit. He has a Bachelor of Science degree from California State Polytechnic University in Pomona, CA. majoring in Accounting. (i)

WASHINGTON STATE

Vladimir Raskin – Examination Officer

Vladimir joined Cascade in 2011 and resides in the Seattle, WA area. His prior experience includes work as a Commercial Loan Officer at Bay Bank. More recently, Vladimir has been the Controller for a business, responsible for all facets of accounting and controls. His educational background includes a Master’s degree in Professional Accountancy, which he earned at Central Washington University and a Masters in Engineering, which he earned in Russia. As a Certified Public Accountant, Vladimir maintains a tax practice serving the Russian community in the Seattle area in addition to his employment with Cascade. Outside of work Vladimir enjoys spending time with his miniature poodle – Kobe. He also enjoys traveling and reading. (s)

NORTHERN WASHINGTON & CANADA

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. Manny 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. (i)

(s) and (i) at the end of each vitae refers to employee (s)taff and (i)ndependent contractor, respectively.