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Thomas R. currently serves as a Senior Commercial Credit Analyst at Merchants Fleet, where responsibilities include assessing credit worthiness for large accounts and developing risk assessment tools. Prior experience includes a role as Principal at Antioch Partners, focusing on financing solutions for churches and non-profits, and a Commercial Credit Analyst position at Hitachi Capital America Vendor Services, where financial analysis was conducted on prospective clients. Additionally, Thomas R. operated 414 Perspective Consulting, offering services in marketing and financial analysis. Educational qualifications include a B.A. in Business Management and Finance from the University of St. Thomas.