Ted Ahn – President

Ted Ahn is the engagement leader and is responsible for managing the engagement. Ted is the Director of the credit risk division of CRF Advisors, Inc., a credit risk management firm that services financial institutions, non-profit organizations, and financial services companies. Ted has over 20 years in banking which includes 9 years’ experience as external and internal auditor (RSM) for financial institutions, and financial services companies ranging in asset size from $40 million to $5 billion.

Ted has managed financial institution credit risk and audit engagements, performed credit review of loan portfolios ranging from $40 million to $5 billion, reviewed and assisted clients in implementing ALLL methodology in compliance with the Interagency ALLL Policy Statement and Generally Accepted Accounting Principles (GAAP). Ted has also performed and reviewed the valuation and accounting of impaired loans, TDR’s, and other real estate owned (“OREO). His experience also includes assistance in developing and reviewing 10-K, 10-Q, financial statements and disclosures for clients in compliance with GAAP and SEC, providing business advice opportunities and/or reportable internal control conditions; and creating analytical models for credit risk.

Robert R. Gehring – Credit Risk Manager

Robert R Gehring manages the credit review and compliance process associated with all loan review and stress test engagements. Robert has over 30 years in banking and has managed the Credit Administration and Credit Risk Management functions of five financial institutions with asset sized ranging from $200 million to $10 billion.

Robert has extensive experience in the standardization of commercial credit underwriting; revamping of credit policies and procedures to assure compliance with current regulatory safety and soundness standards and practices; establishment of a formal internal and external loan review and risk rating program; modeling of Criticized Asset Action Plans, REO Asset Action Plans and organization of a Credit Strategies Committee. See attached resume for detailed work history.

Daniel Peretti – Senior Credit Analyst

Daniel Peretti is a senior credit analyst that performs detail credit review and stress test analysis for CRF Advisors, Inc. Daniel received his MBA with a concentration in Finance from Wilmington University. Daniel has 15 years in banking and has worked in the credit department for mid- size financial institutions ranging from $200 million to $2 billion.

Daniel’s experience includes management of all portfolio risk management activities related to credit underwriting, credit risk assessment, credit risk grading and to the performance of structured portfolio loan and relationship reviews.

Joshua Cash – Senior Credit Analyst

Joshua Cash is a senior credit analyst that performs detail credit review and stress test analysis for CRF Advisors, Inc. Joshua received his Bachelor degree in Economics from Penn State University. Joshua has 10 years in banking. Joshua’s experience includes 3 years at Well Fargo as a relationship manager and Assistant branch a manager. His duties included management of 12 associates including the management of deposits and loan originations.

Josh has been with CRF Advisors, Inc. for 7 years. Josh’s experience includes management of all portfolio risk management activities related to credit underwriting, credit risk assessment, credit risk grading and to the performance of structured portfolio loan and relationship reviews.

Daniel Kim – Credit Analyst

Daniel Kim is a senior credit analyst that performs detail credit review and stress test analysis for CRF Advisors, Inc. Daniel is also involved in the implementation process of CRF Advisors CECL Software. Daniel received his Bachelor degree in Economics from the University of Pennsylvania.

Ki Suh – IT Director

Ki Suh is the IT Director that help the development of CRF Advisors Stress Test Model and CECL Model. Ki ensures all IT related controls are reviewed and implemented. Ki received his MBA with a concentration in Biology from Oberlin University.

Ki worked for a mid-size accounting firm for 10 years assisting internal IT audits and financial statement audits. Ki has 10 years in banking and has worked for CRF Advisors, Inc. for 6 years.