The authors are James Sagner, PhD and Herbert Jacobs, both of whom reside and work in the New York City area. Former bankers, they are the principals of Bank Credit Training Partners, a firm that specializes in providing credit training seminars to bankers and corporate financial managers. Sagner teaches MBA and executive education at the Universities of Bridgeport and North Carolina. He led the Consulting Services Division of the First National Bank of Chicago (now J.P. Morgan Chase), and has managed over 250 large-scale studies for companies and non-profit organizations worldwide. He is reco...