Patrick Trombly is a Senior Vice President with a commercial bank in New York City. He has worked in commercial banking and credit for regional and money-center banks for sixteen years. Prior to his banking career, he was a consultant for a Big Four firm. Patrick is also the author of The Beavers, a work of allegorical fiction expected to be released electronically this summer. The opinions expressed are his own and do not reflect the positions of the firms for which Patrick works or has worked.