Lindsey Billings


Lindsey started her career as a staff accountant with a local CPA firm specializing in services to Credit Unions. There, her attention to detail and comprehensive understanding of regulations stood out in audit engagements and led her to a position as Chief Financial Officer in one of her Credit Union clients. After leaving the credit union, she ran her own small business accounting and consulting firm where she served as a consultant and outsourced CFO for many small businesses providing accounting, tax, and financial services which included loan packaging and loan term negotiation. When one of her clients planned to expand their business nationwide, she spent several years as their CFO assisting them in implementing their growth strategy and managing the accounting and finance operations in multiple states with a dozen offices and over a hundred employees and thousands of independent contractors. Nine years ago, she decided to focus on government guaranteed lending when the CDC where she served on the Board made an aggressive growth plan. Lindsey spent the next several years originating, underwriting, packaging and servicing SBA 504 loans as well as coordinating with other lenders for borrowers who had financing needs that were not eligible for the SBA 504 program. Over five years ago, her work in this area led to an introduction to the team that now operates under the platform of Madison One. Since that time, she has worked in different capacities with the same team and now manages the Lender Service operations out of an office in Florence, South Carolina. Lindsey is a graduate of Chapman University in Orange, California, where she earned a Bachelor of Science degree in Business Administration, major in Accounting. She has served as board member, treasurer, and advisor to various community organizations in and around her home in Florence.

Lauren Bengert


Lauren Bengert is a Loan Servicing Specialist for Madison One Lender Services with over 15 years of experience in Accounting, Commercial Real Estate, Banking, and Wealth Management. Lauren began her career in New York City with W. P. Carey & Co. LLC as an accountant for the Company’s REITs. There, her responsibilities grew to include managing the finances of both the W. P. Carey Foundation and the Chairman’s private companies. Following her time at W. P. Carey, she served as an investment accountant for Opportunistic Commercial Real Estate Funds at Citi Alternative Investments. Lauren moved back to the Phoenix area in 2007, changing directions at Citigroup as an Associate Banker with Citi Private Bank. At Citi Private Bank, she worked with high net worth individuals to meet their financial needs in various capacities, including general credit and banking, wealth management, and strategic trust and estate planning. In 2011, Lauren had the opportunity to join STORE Capital, one of the nation’s largest and fastest growing net-lease REITs, on the ground floor as a credit analyst. After her time at STORE Capital, Lauren put her diverse set of skills and experience to work in the business community, assisting companies in portfolio management, loan servicing, accounting and driving the implementation of complex accounting systems. Lauren was delighted to join Madison One Lender Services in May of 2018, where she assists in on-boarding loans and monitoring construction draws. Lauren is an Arizona State University graduate with a Bachelor of Science in Accountancy and Computer Information Systems. She is a Certified Public Accountant in the state of Arizona.

Aimee Lewis-Balog


Aimee Lewis-Balog, a skilled commercial loan processor with over 20 years of experience in commercial lending, joined the Madison One team as a Commercial Loan Specialist in March of 2022. In her role on the M1LS team, she boards loans into the servicing portfolio, and tracks and collects items to ensure borrowers maintain compliance with loan covenants. Aimee spent over a decade as a Commercial Banking Administrator, where she processed and maintained commercial loan files by setting up loan applications and tracking collateral, insurance, financial reporting, and other loan covenants. She worked directly with borrowers, as well as a variety of personnel internally to ensure effective and efficient servicing. In her most recent position as a Senior Loan Specialist, Aimee served as a commercial loan processor, creating and maintaining loan files for closing, funding, and audit review. In addition, she gathered and verified entity documents, title reports, commercial construction inspections, contractor waivers, flood certifications, order appraisals, and environmental reports; she tracked UCC and other collateral filings, insurance, and financial reporting. She had daily contact with borrowers and worked regularly with third parties, such as title agents, environmental consultants, attorneys, insurance agents, real estate brokers, property and construction inspectors. Amy’s strong organization skills, attention to detail and effective communication make her a key player in timely servicing of the M1LS portfolio. Aimee earned a bachelor’s degree in fine art from California State University.

Liz Barca


Madison One Lender Services welcomed Liz Barca as Servicing Portfolio Manager in May 2022. In this role, Liz monitors the financial status of the portfolio on ongoing basis, manages annual reviews and servicing actions, and contributes to development of internal processes and procedures. Liz has been working in commercial loan servicing for nearly two decades. For the past 10+ years, she has worked primarily in SBA servicing. In previous roles, Liz has honed her expertise, from managing and liquidating non-performing commercial loans to managing a nationwide commercial portfolio of over 1,000 loans. Liz has experience preparing annual financial reviews; formulating and executing workout and liquidation strategies; and efficiently resolving issues such as past due payments, delinquent property taxes, insurance lapses, loan documentation exceptions, and financial reporting exceptions. She also drove processes for other servicing items, such as loan increases, renewals, payment deferrals, collateral substitutions, and subordinations. Liz has extensive experience overseeing ongoing monitoring of the loan portfolio. In her previous roles managing commercial portfolios, she was responsible for identifying problem loans, ensuring regulatory compliance, and performing audits. In addition to her knowledge of SBA policies and procedures, Liz has managed teams of credit analysts and portfolio managers, providing training, mentorship, and coaching. Liz received a bachelor’s degree in in finance from the University of Illinois, Urbana-Champaign.

Jake Bontrager


Madison One Lender Services welcomed Jake Bontrager as Servicing Portfolio Manager in February 2022. In this role, Jake manages annual reviews and servicing actions, and assesses the financial status of the portfolio on ongoing basis. Jake has over five years of experience independently preparing full credit packages for loan requests as well as servicing a multi-state portfolio consisting of more than 120 government-guaranteed loans. His experience and expertise make him a valuable asset to the Madison One team, as well as the Lenders and borrowers we serve. Jake began his career as a senior commercial credit analyst, where he conducted detailed financial analysis, working with loan officers to structure debt facilities best suited to clients’ needs. He gained more experience with government-guaranteed lending as an SBA & USDA Credit Analyst. In this role, he prepared full credit packages, performed financial analyses, and ensured loan agreements and covenants are in compliance. He also conducted annual reviews of loans in the portfolio. In his most recent position as SBA & USDA Portfolio Manager, Jake spent nearly four years managing a portfolio of more than 120 SBA loans, from regular servicing to workouts and liquidations. He performed ongoing monitoring and servicing; completed detailed annual reviews; performed post-close audits, and prepared and presented full credit packages for modifications, renewals, and new money requests. Jake received a bachelor’s degree in finance from Indiana University South Bend.

Tyler Conley


Tyler Conley has nearly 13 years of commercial lending experience, and over the years has also honed his analytical, interpersonal and communication skills, applying his extensive skillset to all aspects of his career. Prior to joining the Madison One team in August 2021 as a Loan Servicing Credit Administrator, Tyler accrued a variety of valuable experience in roles as credit analyst, portfolio manager and SBA underwriter. Most recently, Tyler worked in underwriting for SBA 504 and 7a loans. Previously, he spent over a decade in the commercial banking industry as a portfolio manager. In this role, he worked with a variety of companies in multiple industries to proactively manage seven commercial loan portfolios, together totaling $140MM. He worked to ensure loan covenants were met, analyzed financial statements, underwrote loans, managed the loan pipeline and engaged with clients to develop, maintain and expand relationships. Tyler also has previous experience in program management and marketing and sales. His diverse professional experience and the skillsets he has developed along the way make him a valuable part of the M1LS team. Tyler prides himself on his excellent interpersonal and communication skills and his aptitude to explain complex ideas. His attention to detail and ability to analyze and solve problems are very important to him and help him perform his duties in a timely manner and with precision. Tyler earned a bachelor’s degree in finance from the University of Utah. He also holds an MBA, with an emphasis in accounting, from the University of Utah.

Christina Crowe


Christina Crowe joined the M1LS team as a Commercial Servicing Processor in July 2021, bringing with her two decades of combined experience in the finance industry. Christina began her career in finance in a commercial mortgage servicing position, quickly gaining the skills and experience to advance to mortgage processing and later becoming a secondary market coordinator. In these roles, Christina performed servicing actions, processed and validated mortgage loan applications, was involved in construction loans, and generated various reports. In addition to her responsibilities with loan processing and servicing, she also has experience training and managing staff, leading efforts to implement and maintain new software, and serving as a liaison between loan systems and staff. Most recently, Christina gained experience with government guaranteed lending by performing quality reviews of SBA loans and ensuring that documentation was appropriately tracked on a continual basis. Christina’s years of experience with loan servicing and processing, as well as the skills she has developed along the way, from time management and complex problem solving, to operations analysis and reporting, make her an asset to the M1LS team and the Lenders we serve. Christina received an Associate of Science in Supervision and Business Administration from Ivy Tech State College.

Christopher Cundey


Chris began his career in commercial lending as a Small Business Loan Specialist, where he excelled in reviewing and processing financial statements and tax documents. He then began a five-year stint as an SBA Loan Servicing Portfolio Manager. In this role, he managed the servicing, liquidation, and packaging of the portfolio. In addition, his expertise made him a reliable resource for data collection, reporting, internal training, and customer service requests. Chris also has experience as a Credit Risk Analyst. As well as analyzing credit, closing, servicing, and liquidation functions, in this role he helped build a quality assurance program to ensure compliance with agency standard operating procedures. Bringing with him his expertise and skills in small business government-guaranteed lending, Chris joined the Madison One team in December 2022 as a Loan Servicing Credit Analyst. Chris earned a bachelor’s degree in economics from the University of Utah.

Anna Kooper


Anna Kooper joined the M1LS team as a Loan Servicing Associate in May 2021. Anna started her career as a Marketing Assistant with the Charleston Metro Chamber of Commerce in Charleston, SC, where she served as the primary liaison to the marketing department, planning projects and guiding them from conception to completion. During her time at the Chamber of Commerce, Anna spent two years developing her project management skills, leveraging her organization and attention to detail to streamline processes and create efficiency. She brings these core strengths to a variety of situations to provide assistance to and enhance communication within teams. Anna earned a Bachelor of Arts degree in Public Health from the College of Charleston in 2019.

Mary Lineback


Mary Lineback joined Madison One Lender Services as Commercial Loan Servicer in January 2020. She brings her 40+ years of expertise in project and team management, accounting, and real estate to the M1LS team. Mary understands Borrowers’ needs because she’s been there before, processing and requesting construction draws, negotiating leases, managing subcontractors, and coordinating with engineers and regulatory agencies. She began her career working to aid a burgeoning Law Firm in Phoenix, Arizona, expand during a rapid growth stage, taking responsibility for employee onboarding and office management. She also performed all accounting functions for the firm, a skillset Mary would carry forward to her future endeavors. Over the next 27 years Mary expanded her repertoire with her involvement in various aspects of multiple Real Estate Development companies. One of her greatest strengths is her ability to serve as an expert liaison between parties, whether in her capacity as a licensed Real Estate Broker or working to connect a client with investors. Mary welcomes the new challenges and opportunities at M1LS where she will be working with borrowers and lenders on all servicing requests. Mary earned an Associate of Science from Indiana College of Business and Technology in Indianapolis, Indiana.

Rhonda Morgan


Rhonda Morgan has over two decades of wide-ranging financial experience in a variety of industries. She began her career as a credit analyst, where she analyzed loans, assigned risk ratings, and reviewed loan structures. She then worked in the affordable housing, and later, real estate development industries, applying her financial acumen and experience to analyze project feasibility and provide recommendations to ensure project success. Rhonda also has experience as a credit underwriter and relationship manager, spending nearly a decade working with SBA lending, organizing and analyzing complex commercial loan documentation in accordance with SBA guidelines, preparing complete and accurate SBA loan application packages, and coordinating loan closing logistics. Most recently, Rhonda served as an SBA servicing specialist, where she conducted internal audits and post-close compliance reviews of all SBA loans. She worked to ensure internal processes met and adhered to SBA guidelines and developed enhancements to controls, policies, and procedures. She also oversaw the audit remediation activities, handling the approval and completion of corrective actions. M1LS welcomed Rhonda to our team in August 2021 as a Compliance and Servicing Specialist. She brings with her a robust skillset, including credit analysis, underwriting, project management, risk and portfolio management, and lender relations. In addition to the skills Rhonda brings to the team from her professional background, she is also a dedicated team player who embraces new challenges while showing patience, forethought, and attention to detail. Rhonda holds a Bachelor of General Studies and a Masters of Public Administration from Indiana University-Purdue University at Indianapolis. She also earned a certificate in Human Resource Management and a Graduate Certificate in Public Management.

Christopher Payne



Chris has nearly two decades of experience working in commercial lending, the majority of which was spent as a Commercial Loan Specialist for the US Small Business Administration. In this role, he applied his knowledge of commercial lending principles, policies, and procedures to a variety of loan origination, servicing, and liquidation scenarios. He performed comprehensive reviews of loan applications, which entailed in-depth financial analysis, credit evaluation, and eligibility determinations. He has experience reviewing and auditing commercial loan files for eligibility, creditworthiness, and accuracy. He also has experience developing standard operating procedures, providing oversight and formal training internally, and providing support to Lending institutions nationwide. Prior to his time at the SBA, Chris has worked as a district manager, branch manager, commercial business lender, and sales banker, where he brought his skills in leadership, customer service, and business management to a banking setting. In these roles, he applied his knowledge in commercial lending principles while meeting aggressive sales goals, providing superior customer service, and managing teams. Bringing with him vast expertise in commercial lending and business management, Chris joined the Madison One team as a Servicing Portfolio Manager in September 2023. Chris earned a Bachelor’s degree from the University of California Los Angeles and has completed graduate work in the MBA program at California State University, Sacramento.

Tim Patrie


Tim Patrie joined the Madison One team in September 2023 as a Loan Servicing Credit Analyst, bringing with him experience in banking, commercial underwriting, credit analysis, and relationship management. Most recently, Tim was a Commercial Loan Underwriter & Credit Analyst. In this role, he underwrote commercial loans, including SBA loans, maintaining compliance with bank and agency regulations. He performed comprehensive financial analysis of potential borrowers; risk analysis; and market, industry, and economic analysis to identify trends and variances. He also has experience performing annual reviews and analyzing collateral. Tim gained management and collaboration skills as a Commercial Credit Coordinator, where he worked with colleagues to ensure accuracy, timeliness, and compliance of loan approvals; assisted with performing borrower due diligence; and managed and tracked third-party reporting and ticklers. He also has experience cultivating and maintaining relationships with customers and colleagues alike. Tim earned a bachelor’s degree in Business Administration from Liberty University.

Laura Taylor


Laura Taylor was excited to join M1LS as a Commercial Packaging Coordinator, but it was almost like coming home because she had worked with a couple of us almost 10 years ago. Laura brings 30+ years of banking experience, starting as an assistant to an Area Manager where she got exposed to Corporate Banking, Trust, Private Banking, and Mortgage. It was in this position where she discovered her love of loans and jumped at an opportunity to join Corporate Banking. She spent many years in Corporate, Small, and Middle-Market Banking, Corporate/Syndications, and Agricultural Banking, but Small Banking was her favorite because it was there she felt she could make a difference. This led Laura to begin her 20+ years of SBA experience, working at a CDC for many years as a Closing Officer in Central Indiana. She then joined a Lender Service Provider as a Closing Officer and found her true love of learning all about the SBA 7(a) programs, doing those countrywide for a couple of years before going back to a bank. One of her more interesting experiences was working with the FDIC for whom she audit 500+ SBA files. Although she did stay long in this position, she did go on to work with another LSP doing SBA loans countrywide. However, the draw of setting up SBA departments for banks kept pulling her in and she has helped set up several successful offices in central Indiana, one of which was successful in going nationwide. Laura enjoys working with her loan officers, credit teams, packagers, closers, and servicing teams to help make a difference for her internal and external clients. Laura has a Bachelor of Science in Business Education and Office Administration from Ball State University in Muncie, Indiana, where she was welcomed into the Beta Gamma Delta Business Honor Society.


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