07/26: Ten Red Flags of Financial Distress

In today’s volatile business environment, financial distress rarely announces itself in the balance sheet alone. The Ten Red Flags of Financial Distress reveals the early warning signs that most professionals overlook—subtle shifts in leadership behavior, unexpected changes in key third‑party relationships, and operational signals that quietly foreshadow trouble long before the numbers do. This session equips you to spot these indicators early, ask smarter questions, and protect your company from avoidable risk. If you want to strengthen your credit judgment and sharpen your instincts, this is a conversation you won’t want to miss.

Dev is a seasoned credit risk expert, frequent speaker, and principal of Devon Risk Advisory Group, providing consulting, training, and thought leadership across commercial banking, credit, and lending. He previously served as SVP and senior credit policy officer at SunTrust Bank, where he led credit policy for the bank’s wholesale businesses, and earlier held roles as managing director, credit approver, and chief credit officer at major regional banks. His experience also includes serving as CFO of a Honolulu construction firm, a U.S. Army combat engineer officer, and an economics instructor.

A graduate of Ohio State University, the ABA Stonier Graduate School of Banking, and the University of Hawaii (MBA), Dev teaches in Stonier and ABA’s Commercial Lending programs and has instructed at multiple graduate banking schools. His audiences span the ABA, RMA, OCC, Federal Reserve, FDIC, FFIEC, SBA, IMA, and AICPA.

Dev has written extensively on credit risk and financial analysis, authored Analyzing Construction Contractors, and served in leadership roles with RMA and PRMIA. Internationally, he has advised banks in Morocco, Egypt, and Angola through the FSVC. He also served on the FASB’s Private Company Council, helping shape GAAP guidance for privately held companies.