Charlie Miles
VP, Commercial Lending · First Secure Community Bank
Founder, BankerBoy / Inventous LLC
The story
I spent more than 20 years on the bank's side of the table. I reviewed thousands of loan files, negotiated workouts for distressed borrowers, and watched deals go sideways — almost always for preventable reasons.
The pattern I kept seeing: business owners in distress would wait too long, then call a lawyer. The lawyer would pursue options that looked good on paper but destroyed the banking relationship. Meanwhile, the bank had its own preferred resolution path — one nobody had told the borrower about.
BankerBoy exists to close that gap. The banker's perspective, delivered before the situation becomes a crisis.
“I wish I could have handed every distressed borrower I ever dealt with a roadmap of what their bank was actually thinking. That roadmap is what BankerBoy is.”
What Charlie brings
- ✓20+ years as a commercial banker — VP of Commercial Lending
- ✓Expert in distressed loan workouts, SBA lending, and creditor negotiations
- ✓Deep experience with forbearance agreements, loan modifications, and bank workouts
- ✓Trained hundreds of bank officers in credit analysis and portfolio management
- ✓The banker's perspective most business owners never get until it's too late
Important: BankerBoy provides financial education and advisory services only. Charlie Miles is not an attorney and does not provide legal advice. All content and advisory services are for educational purposes. Consult a licensed attorney for legal matters.