Timothy Carlo

Director of Credit and Underwriting


With leadership roles in healthcare, banking and manufacturing, Mr. Carlo’s breadth of knowledge and experience spans multiple disciplines from accounting and finance to operations, business development and project management.

As Director of Credit and Underwriting for Blue Cardinal Capital, Mr. Carlo is responsible for project analysis, including financial modeling, risk assessment, project narrative development, policy package development, project presentation and recommendations to the Credit and Advisory committees.

In this role, Mr. Carlo also provides leadership, support and guidance to the underwriting team. He ensures compliance with the goals, objectives and standards of the organization in order to meet customer satisfaction and deadlines.

Prior to joining Blue Cardinal Capital Mr. Carlo was a key member of the senior leadership team of The Exigence Group, an entrepreneurial, multi-service line management firm that was acquired by TeamHealth in 2012. He also currently runs a strategy-consulting firm The Reds Group.

A proud St. Bonaventure University graduate, Mr. Carlo earned both a Bachelor of Business Administration, Finance, and a Master of Business Administration, Finance and Accounting. He continues to maintain his
credentials as a Certified Management Accountant.

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