I am excited to share my professional biography, which reflects more than 30 years of experience in financial services, fintech innovation, and small business lending. From leading billion-dollar portfolios to co-founding a fintech startup and serving on nonprofit boards, my journey has been defined by a commitment to helping businesses grow through access to capital.

I'm excited to share a deeper look into my professional journey and leadership philosophy. Over the past 30+ years, I’ve had the privilege of growing businesses, launching innovative financial products, and collaborating with amazing teams across the banking and fintech sectors. I remain passionate about helping organizations succeed by putting people, purpose, and strategy at the forefront. Here is my biography.

Tim Schultz is a seasoned banking executive with a distinguished career spanning over 25 years in commercial and small business lending, credit risk, and portfolio management. Known for his strategic leadership and operational excellence, Tim has led large, diverse teams and implemented innovative credit processes that have been adopted across national banking platforms. His tenure at PNC (formerly BBVA) and Compass Bank showcases a consistent track record of enhancing efficiency, reducing risk, and driving strong portfolio performance. With deep expertise across financial services and a collaborative, ethical leadership style, Tim continues to be a trusted force in the banking industry.

I am excited to share my executive biography, which highlights my journey in financial technology, risk management, and AI-driven compliance solutions. With over 25 years of experience in FinTech, Insurance Tech, and AI, I have worked with global financial institutions to drive innovation, enhance risk governance, and implement strategic transformation initiatives.

Joe Grabowski is a distinguished financial services executive with over two decades of expertise in corporate finance, commercial real estate, and asset management. As the fractional chief financial officer of Blue Jay Investments LP and managing member of The Afton Group, LLC, he provides strategic financial consulting, forecasting, and cost analysis services. His career includes leadership roles at Regions Bank and Wells Fargo, where he managed large portfolios, optimized risk management strategies, and drove financial growth. A dedicated community leader, Joe has served on multiple nonprofit boards and holds an MBA from Azusa Pacific University. His strategic vision and financial acumen make him a trusted leader in the industry.

I'm excited to share my professional journey, reflecting over 40 years of leadership in financial services and operational excellence. My career has been driven by a passion for empowering teams, innovating processes, and delivering customer-focused results. Here is my biography.