Our People

Bert Crossin Head, ABL Underwriting

Bert Crossin joined Garrington in 2020 as Head, ABL Underwriting. In his role, Bert leads our asset-based lending underwriting efforts including credit & risk oversight. He and his team provide support to our origination teams across both Canada and the United States. Bert is a member of an Investment Committee of the firm.

Active in the mid-market commercial lending sector for more than 20 years with a primary focus on asset-based lending, Bert’s experience includes both conventional and alternative / non-traditional lending along with distressed or restructuring activities. Prior to joining Garrington, Bert held Underwriting and Portfolio Management responsibilities with two non-Bank alternative ABL providers servicing the North American market. Past experience includes Underwriting, Portfolio and Sales orientated positions with Wells Fargo, Royal Bank and other large Canadian institutions.

Bert earned a Bachelor of Commerce degree from Dalhousie University with honors in Finance.

Karol Guerrero, Head, Factoring Underwriting

Karol Guerrero joined Garrington in 2019 as Head, Factoring Underwriting. In her current role, Karol is responsible for overseeing the Factoring Underwriting department.

Prior to joining Garrington, Karol spent 8 years with Far West Capital as Vice President and Underwriting Manager. Karol has also served as Portfolio Manager and Staff Accountant for Bibby Financial from 2007 to 2011, and Operations Director and Financial Controller for Comresco Capital from 1990 to 2007. With over three decades of experience in the Factoring industry and past experience in Credit and Underwriting, Operations, Finance, and Account Management, Karol plays an integral role within the Garrington Group of Companies.

Karol earned a Bachelor’s Degree in Business from Dallas Baptist University.

Dan Bhosekar, Head, Specialty Finance Operations

Dan Bhosekar joined Garrington in 2021 as Head of Specialty Finance Operations, focusing on the larger and more complex deals in the Garrington portfolio.

Prior to joining Garrington, Dan has spent the past 20 years in the areas of asset appraisals, asset-based lending operations, accounting, and taxation.

Dan completed his Master of Commerce Degree from Mumbai University (India) with a major in Advanced Accountancy with Cost and Management Accounting and holds CPA, CGA designation along with CMA (USA), CIA (USA) and CMA (India) designations.

Matthew Watt, Senior Underwriter, ABL

Matthew Watt joined Garrington in 2020 in his current role as a Senior Underwriter. Matthew is responsible for the due diligence and financial analysis of potential new clients to the portfolio.

Prior to joining Garrington, Matthew worked for 3 years in the alternative lending industry as an underwriter, relationship manager, and account manager for Far West Capital. He managed a portfolio of 30+ clients through their daily cash flow needs while also managing the risk associated with those clients. As an account manager at Far West Capital, he specialized in the high risk, workout clients, which has helped him in his current role as an underwriter. Before jumping into the alternative lending industry, Matthew worked for 8 years as a high school world history teacher and a head girls soccer coach.

Matthew received his general MBA from Texas State University and his BA in History from Texas A&M University.

Jeffrey Lahay, Credit Manager, Trade Finance

Jeffrey (Jeff) Lahay joined Garrington in 2020 and is the Credit Manager, Trade Finance. He is responsible for credit risk management and portfolio risk management. Jeff is also involved in numerous projects within Garrington, focused on sales, operations, workflow/systems, and audit/compliance.

Previously, Jeff served as the Credit Manager for Accutrac Capital for almost 10 years, where he specialized in credit risk management, portfolio risk management, collections, audit/compliance, operations, client relations, account management, and workflow/systems.

Jeff received an Honours Bachelor of Commerce (H.B.Com) degree from Laurentian University. He is a Certified Credit Professional (CCP) with the Credit Institute of Canada.

Carol Laberge, Senior Manager, ABL

Carol Laberge joined Garrington in 2017 as Senior Manager, ABL. In her role, Carol is responsible for collateral analysis for the asset-based and speciality finance portfolios.

Prior to joining Garrington, Carol spent 16 years at Accord Financial Inc. in the factoring industry. In her time there she was responsible for many different jobs ranging from data entry to collections and account management.

Kartick Patel, Head, ABL Finance Operations

Kartick Patel joined Garrington in 2020 and his current role is Head, ABL Finance Operations. Kartick is responsible for managing client relationships, portfolio risk mitigation, approving advance requests, on-boarding new clients, and mentoring the team of Collateral Analysts.

Prior to joining Garrington, Kartick has gained over 20 years of asset-based lending experience in various functions including field exam, underwriting, portfolio management, credit reporting etc.

Kartick received an MBA in Finance and Management from Crummer Graduate School of Business in Orlando, Florida.