About Steve
Wiley Consulting Inc. (WCI), now based in Richmond, Virginia is solely owned and operated by Stephen Wiley. Steve began providing support to small business owners in 2005. At that time, he was working as a commercial lending officer for a local community bank. Steve realized that many of his clients were ill prepared to deal with the financial administration of their companies, they had no business plan for direction and their management teams were incomplete. Just as important, they were unable to communicate with credit providers and were intimidated by the process. However, Steve was not authorized to provide that level of support to his clients in his official capacity as a loan officer. WCI was created to fill that niche and bridge the gap.
During his forty plus year career in the finance industry Steve has spent many years learning each job in every phase of the loan production system. He has many years of experience working as a Senior Credit Analyst, a Level II Loan Examiner and Risk Assessor, a SBA Loan Officer and a Relationship Manager, (Commercial Lending Officer) during his banking career. He has also created and managed two Special Assets Departments where problem loans are re-structured or liquidated. He also served on the board of directors of a small credit union for more than a dozen years.
Steve has also been involved with secondary market transactions, that is, buying and selling loans between investment companies that originated at lending institutions. He has managed teams of examiners and due diligence specialists in the field and has taught negotiation techniques for many years. He also has provided consulting and special project work to financial institutions such as credit unions on a contract basis.
QUALIFICATIONS AND CREDENTIALS
Wiley Consulting Inc., Portland, OR.: Commercial Credit Consultant to small businesses, entrepreneurs and financial Institutions
Columbia Bank, Portland, OR: Credit Analyst III
Wells Fargo Bank, Portland, OR: Mortgage Loan Underwriter 3
West Coast Bank, Vancouver, WA: SBA Loan Officer
First Independent Bank, Vancouver, WA: Small Business Lending Manager
MBank, Gresham, OR: Commercial Loan Relationship Manager, Special Credits Officer
U. S. Bancorp Equipment Finance, Portland, OR: Credit Review Officer
Washington Mutual Bank, Beaverton, OR: Credit Examiner
Wilshire Credit Corporation, Portland, OR.: Special Assets Department Manager, Loan Acquisition Team-Lead, Loan Workout Specialist & Senior Credit Analyst
Lewis and Clark State Bank, Lake Oswego, OR.: Assistant Branch Manager, Loan Officer and Business Development Officer