Launched in 2001 by Robert Bowles as a modest, spare bedroom collateral evaluation firm, our very first customer is still with us today. With that same dedication to integrity, we now serve international, national, and regional commercial borrowers and lenders.
In recent years, Bluewater has focused its expertise in relieving the angst of high-risk, high-profile transactions. We understand that real-time data, clearly articulated, is just as critical to our clients as a reliable bottom line calculation.
Robert is the Bluewater founder and executive director. When he's not holding the tiller, you can find him swabbing the decks. He specializes in helping guide other ships through the fog, resolving complex finance dilemmas, and making transactions profitable for both parties.
For the past several years, Bluewater has developed a specialty of servicing high risk and troubled commercial loan accounts. Robert has overseen numerous forensic accounting examinations and has been retained by counsel for fraud investigation expertise. His efforts have directly led to the recovery of millions of dollars in misappropriated assets.
Since founding Bluewater in 2001, Robert has become a recognized leader in ABL collateral evaluation for some of the nation's leading banks and lenders. Robert is a member of the Asset Based Lending Alliance and the Turnaround Management Association. Robert earned his Bachelor of Accountancy from the highly accredited Walsh College of Troy, Michigan. He is married, with four children.
David is a Managing Director primarily focused on the Lender Analytics practice, but he also assists with our Consulting practice by providing valuable insight from his extensive experience in outsource services and administration, specifically relating to accounting, human resources, payroll and benefits administration.
David has held positions as payroll manager, controller and administrative director for organizations in the manufacturing, service, and not-for-profit sectors both in the US and abroad. David provides the cornerstone for corporate policy formation and implementation.
David graduated with distinction from Walsh College in Troy, Michigan, where he received his Bachelor of Business Administration degree with a major in finance. David enjoys traveling (for pleasure) and spending time with his wife, two teenagers and twin toddlers.
Ellen serves the Director of Operations and the Lender Analytics team as Field Operations Coordinator. She keeps everything and everyone organized, moving and on their 'A' game.
At Bluewater, Ellen is responsible for the coordination of the audit schedule with the lenders as well as the examiners and is a vital part of streamlining the audit process for all parties involved.
Ellen has an impressive background in administrative management and has worked for a variety of companies in the Metro-Detroit area. She earned a Bachelor of Science degree with a major in Psychology from Western Michigan University in Kalamazoo, Michigan.
Michelle serves as the Bluewater staff accountant.
She brings over 15 years experience in accountants receivable and cash management from the service industry to manufacturing, and over 10 years experience in accounts payable management. As well as experience in the fields of payroll processing and employee benefits.
Michelle's experience includes over 15 years of working in Accounts Payable and Accounts Receivable, as well as over 5 years of Human Resources. She has been involved in two different successful software implementations and has a wide range of experience working in the Professional Employment Organization and Automotive industries. She functions as our Staff Accountant and Human Resource Administrator.
Adam is Bluewater's IT Manager specializing in computer equipment maintenance, data conversion, digital information security, and internal technology assistance. He serves the Bluewater Lender Analytics and Consulting practices.
Adam’s attention to detail and widespread knowledge of information technology, file conversion, and process management make him an excellent IT Manager.
Adam holds a Bachelor of Business Administration degree with a focus on Management from the highly accredited Walsh College of Accountancy and Business Administration in Troy, Michigan. His extensive history of one-on-one customer relationships drives Adam's sense of urgency and pursuit of complete customer satisfaction for both Bluewater’s staff and customers.
Dave is a Director, focused on special projects and technological development serving both the Lender Analytics and Consulting practices. Dave's intense analytical skills position him well for a value-added approach to not only field exams and consulting engagements but also internal development.
In cases where a lender's investments may be potentially jeopardized, Dave serves as the primary on-site representative. His expertise relating to contract analysis maximizes the lender's recovery in liquidation. Dave also has broad knowledge of commodities, futures trading, and derivative instruments.
Dave earned a Bachelor of Arts with an accounting major from Cedarville University in Cedarville, Ohio, and his MBA with an emphasis in Executive Management from Ashland University in Ashland, Ohio.Before Bluewater, Dave served a major integrated oil company, and was a senior consultant for an energy consulting firm where he specialized in trading, accounting, procurement, and contract preparation.
Mike is a Director, focusing on team leadership and development nationally. He specializes in recurring and survey collateral evaluations, special procedures analysis, and risk management consulting. He serves two of the three Bluewater practice groups: Lender Analytics and Consulting and works closely with executive management to develop the team.
With a keen grasp of operational-level finance, Mike's extensive resume of leadership and oversight equips him as one of the most seasoned Bluewater consultants. Prior to his commercial finance work, Mike served ten years as CFO of a privately held food distribution company. He served for twenty-two years as Chairman of the supervisory committee for a federally chartered credit union.
Based in Phoenix, Arizona, Mike earned his Bachelor degree in Business Administration from Canisius College in Buffalo. He holds an MBA with an emphasis in Strategic Management from Medaille College in Buffalo. He is a Certified Fraud Examiners and has extensive experience evaluating Healthcare transactions. Mike is married with two grown children and two grandchildren
Bryant is a Director, focusing on west coast firm development with an exceptionally diverse understanding of collateral and asset based financing. While his primary role is in the field, he also works hand in hand with executive management to grow the Bluewater west coast presence.
Bryant has conducted new business and recurring examinations for asset based lenders in a broad range of industries including aerospace, airlines, manufacturing, floor planning, construction, agriculture, high technology, timeshare, oil and gas, energy, leasing, utilities, and healthcare.
Bryant is based in Los Angeles, California. Bryant has a degree from the University of Southern California and and has worked in the asset based lending industry for over 15 years. He started his career with Heller Financial and then moved to the outsource world in the late 90's.
Tom is a Director, focusing on east coast firm development with an exceptionally diverse understanding of collateral and asset based financing. While his primary role is in the field, he also works hand in hand with executive management to grow the Bluewater east coast presence.
Tom has held Loan Officer and Audit Manager positions with a premier, national asset-based lender. With extensive credit management experience, Tom works seamlessly with client credit management teams, effectively communicating issues and findings from the field, making even the most out-of-the-box survey, recurring, or troubled loan examinations flow efficiently and effectively.
Based in Charlotte, North Carolina, Tom earned his Bachelor of Science in Accounting from the University of North Carolina Charlotte. Tom started his career as a financial statement auditor with Deloitte & Touche, earning his CPA license while working with privately and publicly held companies, as well as U.S. divisions of multinational corporations. He spent over six years with CIT Business Credit, where he served as an Account Executive, managing a portfolio of asset-based loans, and as a Regional Audit Manager. Within his loan portfolio, Tom's responsibilities included personally handling new credit underwriting, client liquidations, and bankruptcies. Also, working directly with attorneys, turnaround professionals, and executive management.
Miriam is a Director, focused on serving West Coast field exam clients while spreading the news of Bluewater's growing operations in the west. As a native of the Pacific Northwest, she has a deep understanding of that region's unique lending climate, specialty industries, and customer needs.
Miriam has performed due diligence for clients including top national banks, community and regional banks, private equity sponsors, and asset based lenders. She is comfortable working in a wide range of industries including distributors, importers/exporters, e-commerce firms, manufacturers, health care providers, specialty finance firms, food processors, and agricultural producers.
Based in Portland, Oregon, Miriam holds a B.S. in Finance from the Charles H. Lundquist College of Business at the University of Oregon and takes advantage of many industry training opportunities. Her background includes customer service, business development, asset based lending, commercial bank lending, and diligence services. She enjoys hiking, kayaking, skiing, and time with family and friends.
Yvonne is a senior field examiner with a diverse commercial lending focus. She serves in the Lender Analytics practice.
Yvonne has a breadth of experience from ABL collateral analyst and operations manager, to middle market financial analyst and underwriter for several large Midwest lending institutions. Her 20 years of commercial lending experience allows her to anticipate the needs of the lender and provide relevant and timely information.
Yvonne earned her Bachelor of Business Administration with an Accounting Concentration from the University of Michigan in Dearborn, Michigan.
Jim is a senior field examiner with expertise in commercial lending and healthcare finance. He has diverse experience in loan recovery operations and serves in the Lender Analytics practice.
As an asset based collateral examiner with over twenty years experience, Jim thrives on helping lenders accurately assess their risk. With experience from working within banks and finance companies, he has unique insight into what lenders want to know about their borrowers. Jim has been frequently assigned to troubleshoot and recover problem loans.
Jim earned his Bachelor of Business Administration with an accounting concentration from Shippensburg University in Shippensburg, Pennsylvania. He has also received Commercial Lending, Consumer Lending and General Banking diplomas from the Valley Forge Chapter of the American Institute of Banking.
John is a senior field examiner specializing in complex structured finance, cash flow finance, and asset based finance. He serves in the Bluewater Lender Analytics practice.
Formerly as internal auditor for Citigroup, John has extensive experience performing due diligence for companies in the high-tech and agricultural industries.
Currently based in San Francisco, John earned his Bachelors degree in Business Administration from Cal Poly S.L.O. in San Luis Obispo, California.
Kevin is a senior field examiner working in loan situations that require a range of experience, knowledge and communication skills developed over years of serving in various accounting fields. He serves primarily under the Lender Analytics Group at Bluewater.
Kevin has held senior field examiner positions with national lending institutions, as well as an underwriting position providing additional insight on survey and other exams. The experience gained from handling all aspects of survey exams, including interacting with legal and underwriting functions, gives Kevin a broad view facilitating an efficient and comprehensive end product. Extensive experience in private industry provides Kevin with a better understanding of the viewpoint and issues of the clients served.
Based in Charlotte, North Carolina, Kevin earned his Bachelor of Science degree in Accounting from Appalachian State University. Kevin started his career in public accounting in the audit division with Price Waterhouse, earning his CPA certificate while working with privately and publicly held companies. He spent over 9 years with a large, national lender, CIT Business Credit, where he served as a field examiner and underwriter. Kevin handled larger survey exams, and worked on the underwriting, field exam, and closing process on a number of transactions. He has significant experience in troubled loans as the CIT tenure was during a difficult time for many medium to large borrowers with a number of bankruptcies encountered.
Stephanie is a field examiner specializing in middle-market commercial and asset based financing. She serves in the Bluewater Lender Analytics practice.
Stephanie's well-rounded experience in warehouse management, inventory purchasing, sales support and accounting enables her to grasp the big picture as a collateral examiner to accurately capture every detail for lenders.
Stephanie earned her Bachelor's degree in Economics and Business Administration from Sonoma State University in Rohnert Park, California. She enjoys hiking, road biking, camping and playing softball.
Trevor is a senior field examiner and consultant specializing in collateral auditing. He serves in the Bluewater Lender Analytics practice.
Trevor's integrity and task-oriented focus have allowed him to gain a vast array of knowledge about the asset based lending industry. His attention to detail and ability to "think outside of the box," has been of value to multiple lenders, providing them assurance about the security of their collateralized loans.
Trevor earned a Bachelor of Business Administration with a double major in Finance and Business Management, with a minor in business Administration from the Howarth College of Business at Western Michigan University in Kalamazoo, Michigan. He enjoys spending time with family and friends and staying healthy through personal fitness.
Angela is a senior field examiner specializing in asset based and commercial financing. She serves in the Bluewater Lender Analytics practice.
Angela has developed a broad skill set working in both collateral field exams as well as backroom operations for several large commercial and asset based lenders. This experience allows her to efficiently and effectively analyze collateral and provide timely and relevant information to the lender.
Angela earned a Bachelor of Business Administration with an Accounting Concentration from the University of Michigan in Dearborn, Michigan.
Bretley is a field examiner specializing in middle-market commercial and asset based financing. He serves in the Bluewater Lender Analytics practice.
Bretley has earned both a BS in Marketing as well as Accounting from Oregon State University in Corvallis, Oregon. He enjoys sleeping in, chocolate soufflé, and a good sense of humor. On an off day he might go snow camping near Mt. Hood or take peaceful jog at night.
Bretley's experience in management, banking operations, and project processing allows him to quickly assess fluid environments and find solutions to complex problems. He strives to achieve maximum clarity for lenders and increase efficiency for borrowers.
Spencer is a field examiner specializing in collateral auditing. He serves in the Bluewater Lender Analytics practice.
Spencer's leadership and determination allowed him to excel as a manager in a retail environment. His ability to manage and prioritize was a value in the retail industry. His positive attitude and willingness to learn and grasp new things will help him grow within Bluewater.
Spencer earned a Bachelor and Master's degree in Accountancy (Macc) from Oakland University in Rochester Hills, Michigan. He spends his off time with friends and family, exercising, and watching/playing sports.
Ashorina is a field examiner specializing in collateral evaluations. She serves in the Bluewater Lender Analytics practice.
Ashorina is highly analytical and has excellent problem solving and mathematical skills. Her strong attention to detail is extremely beneficial to her role as field examiner in the asset based lending industry.
Ashorina earned her Bachelor of Business Administration with a concentration in Finance from the highly accredited Walsh College of Accountancy and Business Administration in Troy, Michigan. She enjoys spending her time off with her friends and family, as well as volunteering within her community.
Jesus is a field examiner specializing in collateral evaluations. He serves in the Bluewater Lender Analytics practice.
Jesus’ strong work ethic and determination enable him to excel at field exams. He strives to achieve maximum clarity for lenders. His bilingual knowledge in English and Spanish allow lenders to get a Bluewater quality product in a diverse market.
Jesus earned a Bachelor of Business Management from California State University in San Bernardino, CA. He enjoys traveling, experiencing new places, and spending time with family and friends.
Ryan is a field examiner specializing in collateral evaluations. He serves in the Bluewater Lender Analytics practice.
Ryan’s previous experience as a credit analyst in middle-market commercial banking has given him a solid base. This experience also gave him an understanding of the importance and purpose of field auditing. He excels at working with numbers, systems, and processes to determine risk. Ryan’s versatility and strong work ethic are key attributes to his role as a field examiner at Bluewater.
Ryan earned a Bachelor of Business Administration with a concentration in Finance from Wayne State University. In college, he played on the men’s varsity tennis team for four years and was elected team captain his senior year. He spends his time off with his pets and family, playing sports, and exercising.
We get our waders on and methodically slog through the financial detail and history that only the sturdiest auditors can stomach.
Bluewater due diligence combines granular data analysis with experienced intuition to sniff out opportunity and expose lurking surprises. It doesn't stop there. When important discoveries are made, we generate quick strategies to convert those relations into occasions for a more profitable transaction.
Bluewater forensic investigators are Certified Fraud Examiners [CFEs], experts in financial evidence reconstruction. We serve legal counsel with comprehensive litigation support and expert witness testimony.
We employ wickedly advanced technologies and techniques to rapidly mine and map volumes of electronic accounting data, properly interpreting findings. We also assist clients in developing proactive systems for the early detection and prevention of fraud.
When suspicions of financial misrepresentations first surface, time is everything. Bluewater is prepared for inquiry within hours, not days, so your asset recovery is maximized.
Our on-staff Certified Fraud Examiners [CFEs], are equipped for rapid deployment to unravel complex transactions and reconstruct paper trails. Each Bluewater CFE is experienced in litigation support and in expert witness testimony.