Phil leads Pactola, a CUSO devoted to commercial and agricultural lending, participation management, credit administration support, lender education, and third-party loan review services. He has over 35 years in the industry with positions in the banking and credit union industry. He is a CCIM and has degrees from the Graduate School of Banking and Westminster College. He and his lovely wife, Dr. Angela Love, reside in the Black Hills of South Dakota. Contact Phil at phil.love@pactola.com