Our Team

Annette Glahn
Co-owner / Member | Annette.fink@lesrvs.com

Annette Glahn Fink currently serves as the co-owner of Loan Evaluation Services, LLC. She has dedicated her career to credit risk management and joined Loan Evaluation Services, LLC at its inception in 2013, bringing her years of experience and expertise to the company.

Annette is a native New Orleanian and graduated from Louisiana State University in 1981 with her Bachelor of Science in Finance. Annette began her banking career in 1983 as the Credit Manager for Progressive Bank in Houma, Louisiana. Following her time with Progressive Bank, she transitioned to Omni Bank in New Orleans, Louisiana, where she began the Credit Department. At Omni, she was an integral part of the loan approval and loan management processes. Her banking career included focuses on credit analysis, loan review, asset-based monitoring systems, and mortgage loan quality control.

After gaining over a decade of knowledge and experience, Annette made the decision to start her own company. In May of 1994, ACG Consulting was established. Annette began consulting with local financial institutions while continuing her work with Omni Bank. Over 25 years later, Annette continues to perform asset-based loan monitoring audits and other credit-related services through ACG Consulting, LLC, earning her reputation as one of the leading experts in asset-based loan monitoring in Louisiana.

As a member of Loan Evaluation Services, LLC, Annette enjoys assisting local banks to improve their processes, loan underwriting, and loan management. In her free time, she loves traveling with her husband Stephen, gardening, spoiling her two grandkids, and treating her puppy Chloe like her 4th child.

J. Andrew "Andy" Bower, CPA
Co-owner / Member | andy.bower@LESrvs.com

With a strong background in banking and accounting, Mr. Bower focuses on loan review, auditing, and accounting services for community banks. The main focus of Bower’s practice, both with LES and his own firm Bower Consulting, LLC, is loan review, though he also performs Bank Secrecy Act audits, contract commercial loan underwriting, and policy writing, and he serves as the moderator for the Louisiana Bankers’ Association’s CEO, Senior Lender and CFO Forums.

Bower began his banking career in the management associate program at Florida National Bank in Jacksonville, where following the training program he became a customer-focused private banker managing a $10 million loan portfolio and related deposits for professionals, as well as high-net-worth individuals and their businesses.

Bower later joined Arthur Andersen LLP in New Orleans, where his eight-year tenure included three and a half years as Audit Manager. At Andersen Bower and his team developed a significant internal audit practice that positioned Andersen as the internal auditor for eight banks. He also served as the audit manager for over 20 client relationships in the banking, gaming, not-for-profit, public education, and healthcare industries.

Bower then returned to banking as Chief Financial Officer for Guaranty Savings Bank in Metairie, where he managed the accounting and finance functions for that $230 million publicly traded savings bank. His responsibilities included SEC filings, annual audits, internal financial reporting, budgeting, ALLL, asset/liability management, and regulatory reporting.

He received his undergraduate degree in economics from Duke University in 1986 and his master’s degree in business administration from the University of North Florida in 1991. He is a Certified Public Accountant and also passed the examinations for the Certified Internal Auditor and Certified Anti-Money Laundering Specialist designations. Andy is a life-long golfer who still likes to compete in amateur events and volunteer at tournaments as a rules official.

S. Kyle Waters
Founder | kyle.waters@LESrvs.com

Waters, a Louisiana native with a long-time successful banking career of over 40 years, founded Loan Evaluation Services, LLC in 2013 to assist institutions in evaluating loan portfolios as part of their due diligence in acquisitions. He assembled a team of 10 bankers for his new firm’s first project, which resulted in a successful acquisition. The firm then continued to grow and build its reputation as a leader in providing loan review and other credit-related consulting services in the Gulf Coast region.

Before his retirement in 2008, Kyle served in numerous roles at Hibernia National Bank. His background included retail banking, audit, finance, commercial banking, correspondent banking, and small business banking. As a senior retail banking executive, Kyle led a team of more than 2,500 bankers in 5 Louisiana regions, overseeing 165 branches that represented over $15 billion in deposits and $7 billion in loans. He then became the company’s Texas retail banking executive, and led the Bank’s rapid Texas expansion, and he led teams that integrated and converted five acquired banks.

In 2009 Kyle came out of retirement as he was named President and a board Member of OMNIBANK, a $750 million community bank serving Jefferson and Orleans parishes in Louisiana. At Omni, Kyle led the design and execution of strategic, profit, liquidity and capital plans approved by the Board, as well as robust regulatory management, communications and business improvement plans. In addition, Waters led the company through negotiations with and the profitable sale of OMNI to IBERIABANK effective May 31, 2011.

Following six and a half years of working with over twenty clients in Louisiana, effective December 31, 2019 Kyle officially retired from Loan Evaluation Services, LLC. He is fully retired and spending time with his wife Cookie as well as pursuing his passions of woodworking and travel. Andy and Annette continue to try to persuade Kyle to assist them on certain jobs, only to find continual “no” answers as Kyle is thoroughly enjoying his well-earned retirement.

Paul Bonitatibus
  • 45-year banker with broad expertise in Commercial, Retail and Real Estate lending.
  • Former Executive Vice President of Retail Banking, Small Business Banking and Mortgage Banking for $22-billion Hibernia National Bank of New Orleans prior to its sale to Capital One Financial Corporation.
  • Led Hibernia’s Wealth Management Group with more than $7 billion in assets under management.
  • A founding owner of Hibernia Consultants, L.L.C., providing executive and advisory services to community banks.
  • President of First Private Trust Company, a private financial institution that manages assets for the family of a prominent New Orleans entrepreneur.
  • Adviser to Dale Carnegie Training’s Global Services Division.
  • 1971 graduate of the University of Notre Dame with a bachelor’s degree in government and international relations.

Margie Goris

Following her 1971 graduation from the University of New Orleans, Margie embarked on a long and distinguished banking career. She is a former National Bank Examiner with the Office of the Comptroller of the Currency. She was promoted to Examiner-in-Charge and also was selected as an international bank examiner who participated of examinations of foreign branches of U.S. Banks in Paris, Brussels, and London.

Margie then moved to the industry side and took on senior management roles at several commercial banks as manager of credit administration divisions responsible for compliance, loan review, asset-based lending, and consumer, mortgage, and commercial loan administration. She was the Retail Credit Administrator for Whitney National Bank, New Orleans, where she was responsible for all aspects of the Bank’s underwriting, loan documentation, collections and student loan functions, as well as Fair Lending and HMDA Compliance.

Margie’s career then evolved to her starting her business, MCG Consulting, LLC, which provided services to small and medium-sized banks with a focus on operational and efficiency reviews, compliance/BSA audits, and review of policy and procedures. While Margie sold MCG Consulting in 2018 primarily to spend more time with her grandchildren, she continues to assist LES on loan review engagements.

Ashley Bugea

Ashley lives in Baton Rouge with her husband and three sons. She is a Baton Rouge native who graduated from Louisiana State University in 2005 with an Accounting Degree and a Master’s in Finance from Tulane in 2006. Following completion of her Master’s, she was hired as a credit analyst by a Baton Rouge Bank in 2006, where she worked until 2009.

In 2009 Ashley purchased the Baton Rouge Gymboree Play & Music franchise and managed that until 2016. She also assists her husband in managing his two real estate companies, who engage in commercial and residential real estate sales as well as property management.

She has never been far from her roots in banking, as since 2010 she has done contract credit underwriting for commercial loan requests from community banks in South Louisiana. Kyle, Andy, and Annette saw her underwriting work in the credit files of one of our LES loan review clients and were so impressed we asked her to come work for us. With the demands of raising three young boys, Ashley primarily helps us on engagements in or near Baton Rouge as well as those we can perform remotely.