Gail D. Heldke has over 30 years experience in banking and financial services with over 20 years in commercial lending and factoring. Most recently with Sterling National Bank, she has also been employed by Wells Fargo Capital Finance for 11 years, Inland Capital Corporation (an independent factoring company) for six years, JP Morgan Chase (F/K/A First Illinois Bank & Trust) for four years and The CIT Group/Equipment Finance for 6 years. Her primary responsibilities have included business origination for factoring, asset-based and purchase order programs; credit analysis and portfolio management. Ms. Heldke is actively involved in the Turnaround Management Association, The Commercial Finance Association, Midwest Business Brokers & Intermediaries, IWIRC and the International Factors Association. Ms Heldke is also a Director and Treasurer of the Glenview Credit Union.