OUR TEAM

Theresa is Manager-in-Charge of day-to-day operations of Lender Solutions, Inc. and has owned the Company since 2004. Prior to Lender Solutions, Theresa worked many years performing high-risk, complex field collateral examinations and five years as a manager of the field audit department for the largest Michigan-based financial institution.

As an Audit Manager, Theresa has developed new approaches to scheduling and performing audits to maximize effectiveness while minimizing negative customer impact. As a Professional Examiner, Theresa has extensive experience in all phases of collateral evaluations, including asset based lending facilities, contractor audits, mortgage warehousing and leasing lines of credit, and workout loans.

Prior to her career as a field examiner, Theresa was assigned to several commercial loan groups and provided administrative support to the loan officers during the credit approval process.

Theresa holds a Bachelor of Accountancy degree from Davenport University and has earned several Commercial Finance Association certificates. Theresa also taught accounting as a part-time instructor for 12 years for the Center for Banking Education. She was responsible for providing the beginning accounting student with a basic knowledge of accounting concepts, principles and methodology.

Beth is a Senior Field Examiner/Business Valuation Consultant with Lender Solutions, Inc. Her 20+ years experience in the financial services industry includes positions as a Senior Valuation Consultant and a Senior Analyst. As a Professional Examiner, Beth is involved in all phases of collateral evaluations, including asset based lending facilities, medical receivables, lease facilities, and workout collateral reviews.

Prior to joining Lender Solutions in 2004, Beth was a Senior Valuation Consultant with a local public accounting firm. In this position, Beth consulted and prepared reports on property settlements in marital dissolution litigation; valuations of closely held companies for estate tax planning; leveraged buyouts; and buy/sell agreements.

During her position as a Senior Analyst with a nationwide brokerage firm, Beth was responsible for the analysis and recommendation of suitable, creditworthy investments for the firm’s mutual funds portfolio.

Beth holds an MBA and Bachelors of Arts (with a concentration in Accounting and Finance) from Wayne State University.

James A. Dane, MS

Jim is a Manager/Supervisor of Field Audit Services at Lender Solutions, Inc. His 25+ years in the banking industry includes 20 years in asset based and formula based lending. His experience includes performing collateral examinations and 12 years managing field audit operations and collateral evaluation departments at two of the Detroit’s largest regional banks.

In these positions, Jim developed procedures for auditing and analyzing the collateral position of commercial loan customers. He has experience in all phases of collateral evaluations, including asset based lending facilities, formula based lending facilities, contractor audits, floor plan audits, mortgage warehousing, and workout loans.

Jim holds a Bachelor of Science in Business Administration, with an accounting major, from Central Michigan University. He also holds a Master of Science in Finance from Walsh College.

James R. Zitkus

Jimmy joined Lender Solutions as a Field Examiner in May 2014 after graduating from Davenport University with a Bachelor’s Degree in Accounting. He began his career with Lender Solutions and was a junior examiner for two years training and learning the job responsibilities to be an accomplished Collateral Field Examiner. Jimmy has taken his book knowledge and transferred it into work knowledge. The transition has worked to the advantage of Lender Solutions, and he has mastered the skills in providing the service and generating reports which address the needs of our customers. Jimmy has received considerable exposure to various industries, including service providers, various types of manufacturing, wholesale/distribution, and transportation.

Christina M. Zitkus, MBA

Christina joined Lender Solutions in September 2023 as a Field Examiner. Christina is a skilled professional with a strong academic foundation in human resources and accounting. She holds a Bachelor of Arts in Human Capital and Society from Michigan State University, where she gained a solid understanding of organizational dynamics and workforce management. Building on this foundation, Christina pursued an MBA at Central Michigan University, enhancing her strategic management and leadership skills.

Currently, Christina applies her dual expertise at Lender Solutions, where she has seamlessly integrated her knowledge of HR principles with accounting practices. Her role involves delivering exceptional service and producing tailored reports that effectively meet customer needs. With considerable exposure across diverse industries, including wholesale/distribution, manufacturing, and automation, Christina brings strategic insights and proficiency to her role.