Edward H. Turner, President (614) 792-8000

Ed Turner has nearly forty years of progressively increasing banking and banking related responsibilities.  As a senior officer of a six billion dollar bank holding company he held positions in lending, credit, loan administration, loan review, collections, and managed assets.  He has been president of a one hundred-thirty million dollar asset based lending company, a corporate vice president and regional manager of a regional lending division supporting twenty-seven billion dollars in assets, regional manager of a special asset division of a sixty billion dollar bank holding company, a senior vice president of a seven billion dollar bank holding company in which he specialized in corporate loan restructuring and recoveries, and loan administration, and was a senior manager of a Big-Five public accounting firm.  Ed possesses extensive experience in lending, loan review, credit and credit administration, and the managing of problem loans.  Ed has advised and assisted banks with the writing of corporate lending, managed asset, credit, collection and legal department policies.  From 2000 to 2011, Ed was a member of the board of directors at one of his clients, where Ed also sat on the directors loan committee. He has participated in over twenty mergers of financial institutions by determining the quality of loans and the adequacy of reserves as well as the quality of lending and support personnel.  He has been a teacher for the University of Toledo night program where he taught accounting and cost accounting.  He has also been an annual instructor for the Ohio School of Banking Commercial Lending School.  Additionally, Ed has advised and assisted numerous companies with strategic planning, cost containment, financial restructuring, banking negotiations, and has written and validated business plans and reorganization plan at the request of companies and financial institutions.

Thomas J. Ryan, CPA, First Vice President (440) 572-1767

Tom Ryan has nearly twenty-five years of experience in accounting, auditing, financial and bank consulting and loan review.  Tom is a Certified Public Accountant and a member of both the American Institute of CPA’s and the Ohio Society of CPA’s.  Prior to joining Turner and Associates, Inc., Tom spent over seven years at a Big-Five accounting firm in Cleveland, Ohio.  For nearly five of those years, Tom provided a wide range of auditing, financial consulting and accounting services to a large number of public and privately held companies.  For the remaining two and a half years, Tom provided corporate recovery services to public and privately held bankrupt, financially troubled and start-up businesses.  Since joining Turner and Associates, Inc. Tom has split his time between working with financially troubled small businesses and with community banks.

When working with community banks, Tom utilizes his accounting, auditing, and consulting skills to provide a wide range of services.  Tom conducts field examinations of the books and records of bank customers, conducts loan reviews and appraisal reviews, works closely with the managed asset, collection and credit departments, and monitors the commercial loan portfolio providing suggestions and observations regarding the processing of loan payments and the set-up of new loans.  Tom has been a member of the management committee of one of his clients, thereby helping shape the direction of the bank.  For small businesses, Tom has specialized in benchmarking, financial statement and cash flow projections, business plan and financing document preparation and cash flow management.  In addition, Tom assists his clients with detailed analysis of their cost structure including product by product gross margin and break-even analysis, and with their internal accounting and reporting needs.