THE CASCADE CREDIT TEAM
The Cascade Credit Services client team prides itself on its understanding of clients’ industries and businesses. We offer unsurpassed responsiveness, dedication and professional expertise. Each member of the team brings extensive experience garnered both at CCS and at top financial institutions. Cascade Credit client teams are located in Oregon, Washington, northern and southern California, Massachusetts, Florida, Texas, Tennessee and British Columbia.
Managing Team
Rich Denman
Founder & Managing Director
Bill Ray
Development and Regional Director
Bill previously worked as a commercial lender at community and regional banks for over 20 years in addition to founding a business consultancy firm. Bill holds a history degree from San Diego State University, and is a graduate of the California Bankers Association Commercial Lending School.
Fred Dougherty
Exam Review Director
Fred has worked for over 30 years in commercial finance with hands on experience in auditing. He co-owned and ran his own factoring firm for 13 years eventually negotiating its sale to an international firm. Fred holds a BA in economics from UC Santa Barbara. He frequents the gym and enjoys sailing, travel, music and the outdoors.
Sharon Climer
Exam Services Director
Sharon has an outstanding customer service and project management background with over twenty years experience. Sharon is an alumna of the University of Portland and Marylhurst College. Sharon has been with Cascade since 2002. In her spare time Sharon enjoys bowling, photography, reading, cycling, rafting, and cookie baking day once a month with her grandchildren.
Julia Chapman
Administrative Director
Julia comes to CCS with a background as an entrepreneur who ran a successful wood products manufacturing operation for more than 15 years. Julia has a degree in business from George Fox University. She oversees HR, bookkeeping, technical coordination, inventory test counts and other examination support services at CCS. She enjoys hiking, bicycling, fiber arts and gardening.
Exam Team
Dennis has performed collateral exams for Cascade since 2004, joining the team fulltime in 2013. As a senior collateral examiner for US Bank, National Bank of Canada and LaSalle Business Credit, he has over 15 years field experience. He also worked in compliance and loan administration for US Bank, specializing in non-negotiable collateral, UCC and loan portfolio reporting to senior management. Most recently, Dennis was Operations Manager for a startup venture capital entity specializing in renewable energy and green investments. He is an alumni of Vassar College and PSU Scholars Program, specializing in the liberal arts. His outside interests include space (NASA JPL Solar System Ambassador), music, theater and writing.
Craig has performed collateral exams since 2013, joining Cascade in 2022. As a senior collateral examiner for Douglas-Guardian in Houston, TX, Craig provided lenders with collateral verification and inspection services nationwide. Prior to performing field exams, Craig spent over twenty years as a Mergers & Acquisitions advisor in the Chicagoland area. Craig holds a BA in Economics from University of Illinois in Champaign-Urbana and a MBA from DePaul University in Chicago. Craig enjoys outdoor activities such as hiking, mountain biking, and golf.
Diana has worked in public accounting, audit and private sectors. She has held Controller positions for businesses with multiple locations, with emphasis on large restaurant groups for over twenty years. Her experience includes consultation services and managing client engagements, ongoing support of accounting operations, and overseeing internal and external accounting processes, as well as auditing for non-profits. She attended University of Houston Business School and continues to pursue opportunities for growth and knowledge in areas of client support and in the lending industry. She enjoys spending time with her dogs at the beach, parks and lakes.
Aaron joined the Cascade team in 2021. Prior to joining Cascade, Aaron’s work experience has been primarily in ABL (asset-based lending), working as a collateral analyst, audit scheduling coordinator, and field examiner for numerous commercial lenders and consulting firms. His most recent position was with Capital Source (Pacific Western Bank) as a Senior Field Examiner for four years. Aaron has a BS in Public Relations, an MBA in Healthcare Management, and have recently meet the education qualifications to sit for the CA CPA exam. Aaron is based in Southern California.
Pankaj Ghaiy (P K) is based in Campbell, CA (San Francisco Bay Area) and brings over 25 years of experience in Auditing, Factoring and Asset Based Lending and portfolio management. PK worked for BFI/Business Finance, where his career started in Asset Based Lending as an Auditor and finally V.P of Operations. He has also owned Abingdon Business Capital (Factoring), DFAS & Metaflow Consulting (Collateral Exams). PK graduated from Delhi University with a BA in Finance and took various courses through C F A during his career at BFI. PK gives pranayama sessions of breath-work and practices various techniques of meditation and yoga.
After graduating from UCLA with a BA in Economics, Steve landed at the ABL Department of Bank of America in 1978. Since then, he has made stops at Citicorp, Union Bank, and various finance companies. During his career, Steve has had positions in Audit, Audit Management, Marketing & Credit Administration. In 1994, he went independent and began his consulting practice to banks, factors and finance companies, performing audits and other related services. Steve is an active Freemason at Ionic Composites Lodge #520 F&AM, enjoys working out, travel, dining and the attendance of Classical & Jazz venues.
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. Educated in Manila, Manny received a Bachelor of Science in Commerce/Accounting from the University of Santo Tomas.
