INSTITUTIONAL DEBT STRATEGIST & OPERATOR
Straight Answers & Real Execution in Credit & Collections
I build the systems lenders use to win. I turn bad debt into cash for banks, credit unions, and fintechs. My job is simple: I move risk off your books and put capital back in your vault.
Industry recognized as “The Don of Debt” | Managing Partner at Fitzgerald Advisors | Founder of Debt Catalyst™ and Bank Watch Pro™
Why I Built What I Built in Credit & Collections
Over eighteen years in credit and collections, I watched the same pattern repeat across regional banks, credit unions, and fintech balance sheets. Creditors were flying blind on distressed debt valuation, relying on outdated spreadsheets, fragmented third-party agencies, and generic brokers who broadcasted portfolios to public auction blocks. That public exposure destroyed asset pricing power and damaged institutional reputation.
I architected a different execution model: confidential, bilateral transaction protocols paired with high-performance recovery intelligence technology. When institutions partner with me, their transactions stay quiet, their compliance risk drops to zero, and their liquidation pricing reflects verified portfolio data rather than distressed liquidation discounts.
Decision-Support Tools for Debt Portfolio Valuation & Efficiency
Proprietary software and analytical frameworks I engineered specifically for institutional credit and recovery leaders:
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Debt Catalyst™ — AI Portfolio Valuation & Recovery Intelligence
Our flagship AI-driven operating system for distressed debt valuation. Employs Data Quality Index (DQI), File Health Index (FHI), and Enhanced Scoring Index (ESI) across discounted cash-flow models to deliver institutional buyers and sellers deterministic pricing power. Read the Debt Catalyst v2.5 Technical Briefing.
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Bank Watch Pro™ — FDIC Regulatory & Capital Risk Intelligence
Automated intelligence radar tracking non-performing loans, delinquency migration, and capital stress across all 4,400+ FDIC-insured institutions. Identifies liquidity opportunities before they appear in public disclosures. Read the BankWatch Pro Briefing.
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CU Watch Pro — NCUA Peer Benchmarking & Charge-Off Tracking
Dedicated call-report analytics engineered specifically for credit union balance sheets, auto-loan delinquencies, and loan-loss reserve adequacy. Explore Credit Union Risk Analysis.
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Interactive Portfolio Recovery Valuation Tool
A browser-based decision tool modeling gross balance, asset class, delinquency vintage, documentation completeness, and score tier to produce a directional recovery range. Launch the Portfolio Valuation Tool.
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Agency Efficiency & Cost-to-Collect Audit Tool
Evaluate collection agency fee structures, operating cost-to-collect ratios, and net recovery yield against institutional industry benchmarks. Launch the Agency Efficiency Tool.
Who Sits Across From Me: Institutional Loan Sellers & Buyers
I advise, broker for, and deploy technology alongside institutional counterparties who demand absolute confidentiality and verifiable execution:
- Regional & Community Banks: Eliminating non-performing loan overhang, satisfying regulator mandates, and generating immediate vault cash.
- Credit Unions: Resolving auto-loan charge-offs and unsecured member delinquencies with zero brand reputation risk.
- Fintech Lenders & Specialty Finance: Structuring programmatic forward-flow agreements to stabilize balance sheets and unlock institutional warehouse lines.
- Institutional Debt Buyers & AMCs: Sourcing clean, pre-underwritten debt files backed by verified documentation and chain of title.
Three Ways to Work With Me: Portfolio Liquidation & Advisory
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Confidential Portfolio Liquidation Protocol
Direct, bilateral asset sale execution without broadcasting your paper on public exchanges. High-velocity closing with vetted institutional capital.
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Technology & AI Operating Deployment
Licensing and implementing Debt Catalyst™, BankWatch Pro™, and proprietary compliance automation directly into your internal recovery workflows.
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Strategic Advisory & Valuation Retainer
Ongoing executive counsel on portfolio valuation, ALLL reserve modeling, vendor agency auditing, and debt market disposition timing.