Our Leadership Team
Helping thousands of lenders succeed every day
Mitchell Epstein, Chairman
Mitchell Epstein, Chairman of PrecisionLender, has more than 25 years of experience working with institutions of all sizes creating strategies and tools that increase net interest margin, and pioneered the development and effective use of loan pricing software. A former commercial bank examiner for the Federal Reserve System, Mitchell is recognized nationally for his success at improving net interest margins by focusing on effective pricing of assets and liabilities, and developing profitable growth strategies while managing interest rate risk. A frequent speaker at conferences and seminars, he has shared his knowledge and insight with financial executives across the country. Mitchell received his MBA and his BS in Business Administration from the University of Florida.
Carl Ryden, CEO
Carl Ryden, Chief Executive Officer of PrecisionLender, has deployed pricing management solutions in hundreds of financial institutions ranging in size from $50 million in assets to over $180 billion in assets. Not only the author and developer of PrecisionLender’s loan pricing system, Carl actively provides strategic consulting to PrecisionLender clients. His breadth of experience and passion for technology, finance, strategy, and software development enable him to address risk-based pricing from a unique perspective. Carl has an MBA from MIT Sloan School of Management, a Masters Degree in Electrical and Computer Engineering from MIT and a BS in Electrical Engineering from NC State University.
Craig Poms, CDO
Craig Poms, Chief Delivery Officer, joined PrecisionLender in July 2012. He has enjoyed working with over 150 community banks over a 27 year career in banking. After starting as a commercial lender, he has held senior management positions in lending and credit and has successfully helped lead the turnaround and sale of two community banks. Over the past 13 years, he has consulted with hundreds of C-level executives in the areas of lending, credit, strategic planning, retail account acquisition and ALCO issues. Craig holds a B.A. in Economics from the College of William and Mary and an MBA in Finance from George Mason University.
Patrick Hurley, President
Patrick Hurley, President of PrecisionLender, combines a background in law and finance with extensive entrepreneurial experience, so he readily relates to the challenges faced by banks in growing and maintaining their market share and profitability. A thoughtful problem-solver, Patrick has extensive experience working with banking executives developing pricing strategies and identifying solid methods of deployment. Since inception, Patrick has synthesized client feedback into incremental improvements and new features to the PrecisionLender solution, ensuring it remains an optimal fit for the current banking environment. Patrick received his JD from the University of Texas School of Law, and holds a BBA in Finance, summa cum laude, from Texas Christian University.
Greg Upham, CFO
Greg Upham, Chief Financial Officer of PrecisionLender, started his career with a large accounting firm where he specialized in the commercial and financial services division. As a founding member of several successful venture capital backed companies, as well as through current involvement with local entrepreneurial groups, Greg stays abreast of the concerns, challenges and opportunities of today’s business environment. Greg is a licensed CPA and, guided by his attention to detail and in-depth knowledge, he has skillfully on-boarded hundreds of PrecisionLender clients, identifying data sets to guide customization of the PrecisionLender solution, providing support and sharing best practices. Greg received his Bachelor of Business Administration in Accounting and Finance from the University of Houston.
Ken Garcia, Co-Founder
Ken Garcia, Co-Founder of PrecisionLender, has held C-level positions in multiple functional areas throughout his career–experience which cements his appreciation for how easily PrecisionLender engages across all functional areas of financial institutions. Ken has a diverse entrepreneurial background primarily with industrial and technology related companies, and has successfully steered several entities through periods of growth, investment and/or strategic sale. His vision and leadership have created value for entities in circumstances as varied as turn-around situations to start-ups. Ken received his JD from the University of Texas School of Law, and holds a Bachelors in Science from Cornell University.