James Wilber: Jim has more than 32 years experience in commercial banking, consulting, and manufacturing. Since 1982 he has worked for many of the large national banks in the United States in the areas of credit, new business development, and troubled loan workouts. While at The Northern Trust Jim managed over two dozen workout loans through Chapter 7 liquidations, Chapter 11 reorganizations, real estate foreclosure, and operating company reorganizations. He has worked for Mellon Bank, Bank of America, National City Bank, US Bank, and several of the major regional banks. During his early career Jim was an accountant with the Chevrolet Motor Division of the General Motors Corporation. While earning his M.B.A. Jim worked as a healthcare consultant, working on budgeting, certificate of need applications, reimbursement accounting, and hospital staffing. Jim has an M.B.A. from the University of Michigan and a B.S. in Business Administration from Central Michigan University. He is a Certified Management Accountant and a member of the Institute of Management Accountants.