Instructor Biographies


Jane Butler

Jane Butler joined the NAGGL (National Association of Government Guaranteed Lenders) staff as the Executive Vice President in October 2007, responsible for education and custom training, as well as sharing her extensive expertise in SBA lending programs and regulations with members. A NAGGL instructor since 2006, Butler is also a multi-faceted instructor for NAGGL, teaching many of our standard, advanced and featured courses. As the former SBA Associate Administrator, Office of Financial Assistance, she was responsible for administration of SBA's commercial loan programs including the 7(a) program, the CDC program, and the Microenterprise Development Program. In October 2001, Butler received the Presidential Meritorious Executive Award which recognizes leaders who consistently demonstrate strength, integrity, industry and a relentless commitment to excellence in public service.


Hollis Carter

Hollis retired from SBA in September 2014 after 29 years of Federal service (23 with SBA). He joined SBA in 1991 in the Kentucky District Office as the Chief of Finance with responsibility for managing 504 and 7(a) loan processing. In 1994 he was promoted to Assistant District Director for Economic Development with responsibility for all SBA economic development programs. He joined the Little Rock Commercial Loan Servicing Center when it was founded in 1995 as a Supervisory Loan Specialist overseeing a team of loan specialists servicing 504, 7(a) and disaster business loans. He assumed responsibility for the 504 liquidation function in 2006 and worked in that capacity until his retirement.

Prior to joining SBA Hollis spent six years with the Farm Credit Administration in McLean, Virginia and Louisville, Kentucky as an Examiner/Supervisor and Examination Manager leading safety and soundness examinations of Farm Credit System lending institutions.

The first six years of his career were spent in banking and agricultural finance.

Hollis earned a BS in Agronomy and an MBA at Mississippi State University.

He is now an independent 504 consultant specializing in loan review, policy development, portfolio management and trouble-shooting.


Steve Dusek

Steve Dusek was born and raised in Grafton, North Dakota. He is married to Suellen, his wife of twenty-four years, and they have four children. He is a graduate of the University of North Dakota.

Since August of 2010, Steve has served as President/CEO of Dakota Certified Development Corporation and currently manages a loan portfolio of $106 million, ($110 million comprise SBA 504 loans and $6 million are USDA Rural Development IRP loans). Prior to moving back to North Dakota, Steve served for over 15 years as President & CEO of Prairieland EDC, an SBA Certified Development Company in Southwest Minnesota.

Steve is a member of the National Association of Development Companies (NADCO) and is currently serving as an at-large member on the Board of Directors and holds the Officer position of Secretary. Prior to that, he has served as the Director of NADCO Region V as well as the Treasurer of the Board of Directors. His involvement in numerous NADCO committees provides legislative advocacy and networking opportunities for small business development throughout the region. They include the PCLP Committee, Governmental Affairs Committee, the Legislative Summit, the NADCO Administrative Committee, and the NADCO Lender Advisory Council.


John Evans

John Evans began his lending career in May 1983 with West One Bank as a commercial loan officer. In September 1989, he accepted a position as an Assistant Vice-President/Commercial Loan Officer with Zions Bank. During his time with Zions, John was one of the first three loan officers in its SBA 504 Loan Securitization Department, where he became a full time underwriter for SBA 504 loans nationwide. During his time with West One and Zions, he became the highest volume 504 lender in Utah. Before leaving the 504 first mortgage lending world, John transferred again to take over servicing of the Zions Bank Real Estate Department loans, including 504s.

In January 1996, Mountain West Small Business Finance offered John a position as Vice-President in the Servicing Department. He is currently the Executive Vice-President, with responsibility over the Servicing Department and managing liquidations; He also serves as the Credit Administrator and as a member of the MWSBF internal Loan Committee.

John is chair of the NADCO Liquidation Subcommittee, a member of the NADCO Servicing Committee, and has served on a number of Annual Meeting and Tri-Regional organizing committees. John is also a NADCO instructor for the Liquidation and School of Credit courses and is currently the Vice-Chair of Education on the NADCO Board of Directors.


Todd E. Kobernick

Mr. Kobernick commenced practicing law in the State of California thirty years ago focusing on understanding and resolving the issues of clients. His practice is focused on providing legal and advisory services on matters related to business, real estate, construction, nonprofit entity, lender and United States Small Business Administration legal matters. Mr. Kobernick has represented the largest U.S. Small Business Administration “certified development company” in the nation for nearly twenty years. The Law Offices of Todd E. Kobernick is an “AV” rated firm.

Mr. Kobernick attended the University of San Diego, graduating in 1984. He is admitted to the State Bar of California, United States District Court for the Southern and Central Districts of California and the United States Tax Court. Mr. Kobernick is certified by the U.S. Small Business Administration as a “designated counsel” authorized to provide specified legal services for SBA certified development companies.

Mr. Kobernick is involved with his community by serving on several Boards of Directors of nonprofit organizations. Recently, Mr. Kobernick founded a camp for youth and families, which operates during the entire year.

Todd Kobernick is a native San Diegan and a former social worker. He enjoys kayaking, racquetball, hiking and recovering from injuries.


Carmen Lauerman

Carmen Lauerman has worked as an independent liquidation consultant since retiring from the Federal Government (SBA) in November 2003 with 36 years of service. She has worked with NADCO and individual CDCs providing assistance on the servicing and liquidation of defaulted loans since 2005. She serves on NADCO’s servicing committee and liquidation subcommittees. She is one of the two instructors for NADCO’s "Liquidations and Post Debenture Purchase Workouts” 2-day training course. She has participated in NADCO’s liquidation webinars. She consulted with SBA and NADCO on liquidation SOPs including the new SOP 50 55. She has been approved by SBA as an independent liquidation consultant for 8 CDCs. She is available to assist all CDCs with liquidation questions and issues.


Jason Monnett

Jason Monnett is the Senior Lender & Manager of the Northeast Region for Wisconsin Business Development Finance Corporation. WBD is a private, not-for-profit corporation with offices statewide.

Jason and WBD work with commercial lenders to provide access to the SBA 504 loan program for small businesses. They also assist banks with loan structuring & application packaging for other programs including SBA 7(a).

Jason is a graduate of the University of Wisconsin-Madison, the Wisconsin Bankers Association Commercial Lending School and the Graduate School of Banking at UW-Madison. He is a regular presenter at the Annual Wisconsin Lenders Conference.


Sanford (Sandy) Mortan

Sandy Mortan is Senior Vice President at New Jersey Business Finance Corporation (NJBFC) in Fort Lee, New Jersey, the largest SBA 504 lender in the state. He is responsible for portfolio management and loan closings with a portfolio of over 350 loans. Prior to joining NJBFC, Sandy was with Colson Services Corporation, the former Central Servicing Agent for SBA, for over 15 years. While at Colson he was responsible for the 504 operation as well as part of the 7a operation. Sandy has been involved with the 504 Loan Program since its inception in 1986 and is an active member of various NADCO committees.


Lisa Preston

Lisa Preston is President of The Preston Group, a financial consulting firm specializing in SBA loan program compliance, process improvement, loan review, preparation of credit and internal control policies, and liquidation assistance. The Preston Group assists lenders and certified development companies with all facets of SBA lending in an effort to improve efficiency, effectiveness, and profitability, as well as, adequately preparing for regulatory examinations.

Ms. Preston has over 26 years of financial experience including over 10 years with the Federal Deposit Insurance Corporation, establishing commercial Risk Mitigation procedures at a national PLP lender, and as an Examiner-In-Charge on behalf of the SBA conducting numerous Risk Based Reviews.

Ms. Preston is an Instructor for the National Association of Government Guaranteed Lenders (NAGGL) and the National Association of Certified Development Companies (NADCO). She also serves on the Region VI Liaison Committee, Membership Committee, and the Associate Members Committee for NAGGL. Ms. Preston holds a Bachelors of Science Degree in Finance from Florida State University and a Mediator designation from the University of Houston Law Center.


Nancy A. Reinhart

Nancy Reinhart serves as Executive Vice President and Chief Administrative Officer for New York Business Development Corporation (NYBDC) and its affiliate, The 504 Company (also known as Empire State CDC); and as Vice President of The Excelsior Growth Fund.

NYBDC, formed in 1955, is a consortium of 118 banks and 83 economic development agencies. NYBDC’s goal is to promote the business prosperity and economic welfare of the State of New York by providing loans to small businesses including start-up, early stage and mature businesses, with a particular emphasis on minority and women owned businesses.

The 504 Company, incorporated in 1981, is a certified development corporation and is New York’s largest SBA 504 lender and consistently ranks in the top five among certified development companies nationwide. Its mission is to promote economic development and jobs growth by making SBA 504 loans for the acquisition and/or improvement of fixed assets and SBA Community Advantage loans for businesses that are not able to secure conventional financing on reasonable rates and terms. The 504 Company serves the states of New Jersey, New York and Pennsylvania.

Excelsior was formed in 2009 as a local development company to focus on providing opportunities to promote the economic prosperity of the State of New York. Excelsior focuses on providing gap funding to facilitate access to other loan programs, construction lending for small business expansion projects and small dollar loans to start-up and early stage businesses that may not be able to access capital under traditional loan guaranty programs.

NYBDC and its related companies have a combined portfolio under management in excess of $1.2 billion and have offices in Albany, Binghamton, Buffalo, Melville, New York City, Rochester, Syracuse and White Plains, New York and 88 employees. Empire State CDC maintains offices in Exton and Cranberry, Pennsylvania; and Newark, New Jersey.

Ms. Reinhart joined NYBDC in August of 2003 after 22 years of commercial banking experience. In the banking industry, she held several positions in commercial lending including commercial analyst, commercial lender, credit management and credit administration.

Ms. Reinhart received her B.A. in Business Administration/Sociology from West Virginia Wesleyan College.


Ken Rosenthal

Ken Rosenthal has been a Senior Commercial Loan Officer for CDC Small Business Finance Corp. in San Diego, the largest CDC in the country, since 1991. Ken is responsible for business development and marketing for CDC/SBFC's 504 and 7(a) programs and State of California loan programs. Through his efforts, CDC Small Business Finance had an average annual funding of $60 million in 504 and 7(a) projects. Ken served on NADCO's Board of Directors as Region IX Director from 1995 to 1999.


Miriam Voigt

Miriam Voigt is a 20-year veteran at CDC Small Business Finance. As CDC Ventures Training and Support Manager she is uniquely qualified because of her deep understanding of the loan production process, having herself served in the roles of Loan Processor, Funder and Closing Department Supervisor. She possesses the valued combination of technical expertise and back room experience. Miriam has been recognized by CDC Ventures clients many times for her unsurpassed customer service as well as by her peers at CDC Small Business Finance for upholding CDC’s values with her integrity, commitment, teamwork, and efforts to making a difference. Miriam is married with two adult children, loves dogs and enjoys extreme outdoor activities such as zip lining and motorcycle riding.


Wayne Williams

With over 27 years in the industry, and 17 years with Business Finance Group, Wayne Williams is responsible for working with the lending community, small business owners and other partners within the Washington, D.C. metropolitan area.

While working with Business Finance Group, he has personally assisted over 400 small businesses with projects totaling over $700 million. Prior to joining Business Finance Group, Wayne spent ten years in commercial lending and has worked in SBA lending for most of his career.

Wayne is the Chair of the Lenders Quality Circle Steering Committee for the U.S. Small Business Administration Washington Metropolitan Area District Office, and is former Chapter President and National Award Winner with the American Institute of Banking. He was an instructor for the Risk Management Association and is a graduate of the Advanced Management Program of the North Carolina School of Banking and the Risk Management Association Commercial Lending School. In 2009, Wayne was recognized the Washington Metropolitan Area District Office as SBA’s Financial Services Champion.