My name is Ted R Nelson, I usually just use Ted, President of Rocky Mtn. Loan Consultants, Inc. Briefly, my background is over 25 years in bank lending (commercial and agriculture) wrapped around 14 years with the US Small Business Administration (SBA) loan guarantee program. I retired from SBA as Chief, Finance Division, Colorado District SBA Office. I was in charge of up to six loan officers processing SBA business loans. At one time, I signed off on the approval of all the SBA loans in Colorado. Since I retired, the position no longer exists with SBA as the Agency has centralized processing. Then back to banking as Senior Vice President of the SBA loan dept. for a Denver, CO bank. In its best year, the bank approved over 250 SBA loans. I graduated from the Colorado School of Banking, in the mid ’70s, at the University of Colorado, Boulder, CO.