Prior to joining Hipereon, Jim served as senior consultant with Moss Adams Advisory Services, a division of Moss Adams, LLP, the largest accounting and consulting firm headquartered on the West Coast. He specialized in the credit delivery processes of financial institutions and the financial management of small businesses. Jim has also been CEO of two manufacturing businesses and served ten years with Seattle First National Bank as vice president and manager of the bank’s trust business management and business advisory services departments. He was a faculty member of the National Graduate Trust School at Northwestern University, the Graduate School of Banking at the University of Wisconsin, and for the past 19 years has coordinated the business banking curriculum at the prestigious Stonier Graduate School of Banking at the University of Pennsylvania. Devine co-authored Risk Management Associates’ Understanding Your Small Business Customer training series. He has trained thousands of commercial lenders, business owners and accountants throughout the world.