Who We Are

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.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

Michelle serves as the Bluewater staff accountant.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

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.

EXPERTISE

Adam’s attention to detail and widespread knowledge of information technology, file conversion, and process management make him an excellent IT Manager.

BACKGROUND

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.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

Yvonne is a senior field examiner with a diverse commercial lending focus. She serves in the Lender Analytics practice.

EXPERTISE

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.

BACKGROUND

Yvonne earned her Bachelor of Business Administration with an Accounting Concentration from the University of Michigan in Dearborn, Michigan.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

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.

EXPERTISE

Formerly as internal auditor for Citigroup, John has extensive experience performing due diligence for companies in the high-tech and agricultural industries.

BACKGROUND

Currently based in San Francisco, John earned his Bachelors degree in Business Administration from Cal Poly S.L.O. in San Luis Obispo, California.

FOCUS

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.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

Jason is a Senior Field Examiner with an extensive background in due diligence, collateral monitoring, liquidation, cost and risk assessment and project management. He serves in the Bluewater Lender Analytics practice.

EXPERTISE

Jason's hard work ethic and no-nonsense approach allows him to quickly and effectively serve our clients. He has a keen ability to carefully uncover and communicate issues and findings from the field to our clients' credit management teams.

BACKGROUND

Jason earned his Bachelor of Science in Business Leadership from Baker College. He started his career as a Budget Analyst with a large marketing firm in the Detroit Metro area and eventually worked through the ranks of asset-based lending performing field examinations both internally and as a service provider for some of the nation's largest lenders.

FOCUS

Stephanie is a field examiner specializing in middle-market commercial and asset based financing. She serves in the Bluewater Lender Analytics practice.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

Trevor is a senior field examiner and consultant specializing in collateral auditing. He serves in the Bluewater Lender Analytics practice.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

Angela is a senior field examiner specializing in asset based and commercial financing. She serves in the Bluewater Lender Analytics practice.

EXPERTISE

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.

BACKGROUND

Angela earned a Bachelor of Business Administration with an Accounting Concentration from the University of Michigan in Dearborn, Michigan.

FOCUS

Kori is a senior field examiner and consultant specializing in cash flow modeling. Kori serves in the Bluewater Lender Analytics group and Consulting practices.

EXPERTISE

Kori's attention to detail, numbers and people make her an excellent examiner in the asset based lending industry. Her sharp eye, quick response and friendly disposition provide lenders confidence that their collateralized loans are secure.

BACKGROUND

Kori earned her Bachelor of Accounting degree from Oakland University and is currently pursuing her CPA certification. She enjoys playing softball and volunteering within her community.

FOCUS

Bretley is a field examiner specializing in middle-market commercial and asset based financing. He serves in the Bluewater Lender Analytics practice.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

Spencer is a field examiner specializing in collateral auditing. He serves in the Bluewater Lender Analytics practice.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

Ashorina is a field examiner specializing in collateral evaluations. She serves in the Bluewater Lender Analytics practice.

EXPERTISE

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.

BACKGROUND

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.

FOCUS

Jesus is a field examiner specializing in collateral evaluations. He serves in the Bluewater Lender Analytics practice.

EXPERTISE

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.

BACKGROUND

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.

Lender Analytics | 'lendar ,ana'lidiks | noun

The assessment and evaluation of loan collateral to strengthen confidence in the borrowing base and maximize the lender's return on investment.

Our lender analytics team is made up of a diverse group of leading industry experts with the proper skills to investigate and analyze complex information, leaving no stone unturned.

Agriculture

Healthcare/Medical

Manufacturing

 

Distribution

Information Technology

Service

 

Life Science

Energy

Entertainment Media

Consulting | Kan'saltiNG | noun

Creative and innovative collaboration and process development to identify and meet the unconventional needs of an entity.

Our Consulting group advises one, both, or all parties through complex business and financial transactions. We formulate strategy, innovate financial structures, and negotiate favorable terms. Our executive consulting teams also specialize in rapid salvage of distressed transactions through forensic accounting, investigation, and relationship buffering.

Due Diligence

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.

Forensic Accounting

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.

Fraud Investigation

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.

Connect

Bluewater

29205 Ryan Road
Warren, Michigan USA 48092-4244

Phone: 586.558.8888

Fax: 586.279.0709

Scheduling
and Information

Connect

Human
Resources

Connect






Who We Are

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.


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Who We Are  

Lender Analytics | 'lendar ,ana'lidiks | noun

The assessment and evaluation of loan collateral to strengthen confidence in the borrowing base and maximize the lender's return on investment.

Our lender analytics team is made up of a diverse group of leading industry experts with the proper skills to investigate and analyze complex information, leaving no stone unturned.

Agriculture
Healthcare/Medical
Manufacturing
 
Distribution
Information Technology
Entertainment Media
 
Life Science
Energy
Service
Who We Are  

Consulting | Kan'saltiNG | noun

Creative and innovative collaboration and process development to identify and meet the unconventional needs of an entity.

Our Consulting group advises one, both, or all parties through complex business and financial transactions. We formulate strategy, innovate financial structures, and negotiate favorable terms. Our executive consulting teams also specialize in rapid salvage of distressed transactions through forensic accounting, investigation, and relationship buffering.

 

Due Diligence

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.

Forensic Accounting

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.

Fraud Investigation

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.

Who We Are  

Connect

Bluewater Transaction Advisors LLC

29205 Ryan Road
Warren, Michigan USA 48092-4244

Phone: 586.558.8888

Fax: 586.279.0709

Scheduling
and Information

Connect

Contact
Human Resources

Connect