Skip to main content
Cascade Credit Services, LLC

THE LEADERSHIP TEAM

Cascade Credit Services (CCS) features a client team with deep industry knowledge and a comprehensive understanding of diverse business landscapes. Our professionals offer unparalleled responsiveness, dedication, and expertise, drawing from extensive experience gained at both CCS and leading financial institutions nationwide. With a strategic presence across North America, including major financial hubs and key markets, Cascade Credit Services maintains a nationwide network with locations throughout the United States and extending into Canada. This broad geographical coverage enables us to serve clients effectively across various regions while maintaining local market insights and ensuring comprehensive support from coast to coast.

Rich Denman
Founder
Rich Denman founded Cascade Credit Services (CCS) in 1995 to provide due diligence services for Pacific Northwest lenders. He co-founded Cascade Financial Management (CFM), a complementary financial consulting practice, in 2002. Previously, Rich spent over 20 years at US Bank in the Portland, OR headquarters, managing the Accounts Receivable Department from 1984 to 1994. In this role, he oversaw Account Based Lending (ABL) portfolio monitoring for commitments exceeding $1 billion and was crucial in structuring the bank’s first trade receivables securitization. Rich holds a BA in Economics from Oregon State University and is a Pacific Coast Banking School graduate from the University of Washington. In his off-hours, he practices Bikram (hot) yoga and enjoys mountain climbing, hiking, and cycling throughout the Northwest.
Wade Owens
President & CEO
Wade Owens brings 30 years of experience serving private, middle-market businesses and their owners to his role at Cascade Credit Services. His diverse background includes leading high-performance teams in commercial banking and wealth management, demonstrating his leadership capabilities across financial sectors. He also operated private companies as both a full-time and fractional CFO. Owens has successfully led numerous M&A transactions on the buy and sell sides, including structuring and sourcing capital for middle-market clients. He holds a BA in Philosophy & Political Science from The University of Arizona, an MBA from the University of Dallas, and Master's level certificates in bank management from the Southwestern Graduate School of Banking at SMU and Wealth Transition from The Wharton School at the University of Pennsylvania.

Fred Dougherty
Exam Review Director
Fred Dougherty 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 Climer has a distinguished background in customer service and project management, with over 20 years of experience in the field. She is an alumna of both the University of Portland and Marylhurst College. She joined CCS in 2002 and significantly contributes to the organization's success. In her leisure time, she enjoys bowling, photography, reading, cycling, rafting, and hosting a monthly cookie-baking day with her grandchildren.

Our Expertise & Commitment

At Cascade Credit Services, our senior team members bring over 40 years of industry expertise, supported by examiners with 10 to 20 years of hands-on specialized experience. Our flexible workforce can scale to 20 or more professionals, adapting to meet seasonal demands without compromising quality. Through a rigorous onboarding, training, and review process, we ensure excellence across all examiner levels. This comprehensive approach enables us to deliver consistently reliable, high-quality assessments, giving our clients confidence and assurance in their critical financial evaluations.