He is Senior banking consultant with thirty-three years of experience within the financial service industry, initially as a commercial lender and subsequently as a consultant & training and development specialist. He is a renowned international credit & risk management specialist and has extensive experience in SME credit management, non-performing loans management and SME banking product development. He has worked with some of the world's leading financial institutions including: Development Bank of South Africa (DBSA), Asian Development Bank (ADB), Citicorp, International Finance Corporation, Jakarta Initiative Task Force (JITF), Price Waterhouse Coopers (PWC), and Coopers & Lybrand.

He is president of a consultancy firm where he has overseen dozens of projects involving banking assessments, financial sector reform, private sector development, lines of credit for SMEs, and numerous publications. Assignments have included visits to more than 42 countries across the globe, and his key focus has been on credit and problem loan management for SME business

He has done considerable work in the SME finance sector that has included: Development of business and financial plans Design and implementation of SME lines of credit for countries. SME lending as a commercial banker. Training of banking regulators and lenders in various areas of Basel II/III, credit risk management, loan portfolio management, problem loan resolution, and financial ratio analysis for bank performance. He has led highly rated public SME Banking seminars & in-house programs all across Africa, Asia Pacific,& Middle East including South Africa, Ghana, Kenya, Ethiopia, Zambia, Uganda, Tanzania, Malaysia, Indonesia, Singapore, Sri lanka, India, Pakistan, Bangladesh, Philippines, Thailand, Australia, Oman. UAE, & Saudi Arabia.