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In the commercial and small business segments, Joel Pruis brings more than 25 years of experience delivering fundamental change in the origination and ongoing management of credit relationships. In his role as senior director in Cornerstone Advisors’ Strategy and Execution practice, Joel is focused on commercial credit performance improvement covering policy, process, roles and responsibilities for both loan origination and ongoing customer management.

Prior to joining Cornerstone, Joel was a senior business consultant in Experian’s Global Consulting Practice where he delivered policy review, decision strategies and process redesign for commercial and small business credit clients. Over the course of his career, Joel has engaged with more than 200 financial institutions with assets under $20 billion.

In addition to his consulting experience, Joel has more than 15 years of practical commercial credit experience in the financial industry in such roles as credit analyst, relationship manager and underwriting manager.

Joel facilitates Cornerstone’s Executive Roundtables. He delivers presentations at Cornerstone webinars and has spoken at a variety of industry conferences. He writes for GonzoBanker, Cornerstone’s blog, and CU Management, and has been published in American Banker, BAI Banking Strategies, RMA Journal and US Banker.

Joel has a bachelor’s degree in accountancy from Calvin College, Grand Rapids, Mich., and a master’s degree in business administration from Indiana Wesleyan University, Marion, Ind.