I have known Dr. Gallagher for approximately 20 years.

The board of directors and management team engaged him to assist me in updating association credit procedures.  Over the course of two months, we produced a set of detailed procedures containing lending guidance and standards for loan officers.  Not only was Dr. Gallagher’s assistance with this project invaluable, but his work was meticulous and impeccable.  He has the intrinsic ability to understand difficult interconnections in the credit delivery and review process.

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