Dr. James S. Sagner (jsagner@optimum.net) is a Principal of Sagner/Marks (founded in 1992) and of Bank Credit Training Partners (founded in 2010). From 1981 to 1992 Sagner was a Vice President with the First National Bank of Chicago (now J.P. Morgan Chase). During his tenure with that bank and now at Sagner/Marks, he managed over 250 large scale studies and credit analyses for companies and non profit organizations worldwide. Dr. Sagner is on the faculty of the University of Bridgeport, teaching MBA and undergraduate courses in finance, international business, management and economics. From 20...