We believe that lending is critical to the success of community banks and that the most important conversation a lender has with a borrower is about pricing. We’re passionate about developing tools that make that conversation successful for the borrower AND the bank. We’ve deployed pricing management solutions in hundreds of financial institutions, and those solutions help thousands of lenders price billions of dollars in loans every month.

Carl Ryden, CEO & Co-Founder

Carl Ryden, Chief Executive Officer & Co-Founder 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. Carl is the author and Chief Architect of the PrecisionLender loan pricing system, and 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 Master’s Degree in Electrical and Computer Engineering from MIT and a BS in Electrical Engineering from NC State University. Carl has written a number of articles specifically relevant to bankers, including relationship pricing, purchasing cloud-based solutions, and finding ways to win. You can see many of Carl’s articles on our Lending Strategy Blog at LenderPerformance.com

Ken Garcia, President & Co-Founder

Ken Garcia, President & 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 Bachelor of Science from Cornell University.

Greg Upham, CFO & Co-Founder

Greg Upham, Chief Financial Officer & Co-Founder 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.

Mitchell Epstein, Chairman & Co-Founder

Mitchell Epstein, Chairman & Co-Founder 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. Mitchell has written extensively on topics like loan pricing, modelling, and regulatory issues. You can see many of Mitchell’s articles on our Lending Strategy Blog at LenderPerformance.com

Craig Poms, EVP Industry Outreach & Chief Evangelist

Craig Poms, EVP of Industry Outreach, 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. Craig is fortunate enough to speak with community bankers across the country nearly every day… learning about their challenges and finding ways to help. Many of those challenges and some strategies for facing them are captured in Craig’s articles on our Lending Strategy Blog at LenderPerformance.com