Reading Financial Statements: A Creditor's Perspective

• Records Management Consultant and Principal, Applied Records Management • More than 19 years of experience providing specialized records management consulting services to insurance agencies, law firms, healthcare providers, and financial institutions, with expertise in developing and implementing records management policies and procedures across diverse regulated industries • Former attorney and commercial litigator with Modrall Sperling, admitted to the State Bar of New Mexico and U.S. District Court, providing legal expertise in commercial litigation, public finance, and regulatory compliance, with a deep understanding of records retention and discovery obligations • Litigation support specialist with extensive experience managing discovery in record-intensive cases for law firms and corporate clients, including forensic acquisition and production of electronic documents, offering practical insight into e-discovery and legal hold procedures • Eight years as a technology sales executive in vulnerability and threat management, leading enterprise sales for RiskSense, Inc. and Ivanti, Inc., specializing in cybersecurity solutions for State, Local, and Education (SLED) clients nationwide • Former Executive Director at the Western States School of Banking, leading educational programming and compliance-focused training initiatives for the regulated banking sector