Instructor Biographies


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.


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.


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.