Our team of seasoned analysts comes from both corporate and factoring backgrounds, each with over 20 years experience. They have industry “insider” status, with heavy interactions with suppliers, factors and buyers. Extra exposure is obtained through trade credit group involvement. Our analysts include some of the most sought out subject matter experts for the industries they cover. Our Chief Credit Officer, Bob Carbonell, is considered by many to be the most knowledgeable analyst in the retail industry.
The Credit2B network community includes our veteran industry analysts who are connected with a wide network of contacts in their respective industries. They are your “Experts on Demand”, available to you when needed for credit opinions, alerts, and just about any question on credit and all significant accounts are analyst-reviewed. We believe having real credit experts by industry connected through our platform provides a layer of intelligence unparalleled in the industry.
Bonnie Gerrity is the leader of the Credit2B analyst team, in addition to serving as the Vice President of Product at Credit2B. She has been with the Smyyth family of companies since 2006, most recently as Director of Credit Solutions where she focused on product development and client fulfillment. In her role as the Credit Analyst Team Leader, she offers her analyst team senior guidance and oversight as well as serving as an expert to Credit2B clients on broad US macroeconomic news, trends, and issues. More importantly, as part of the core product design team, she understands how the analysts integrate with the product and processes. Prior to joining Credit2B, Bonnie served in senior credit policy, analysis, and underwriting roles for leading commercial banking organizations, including PNC Bank and Midlantic National Bank.
Robert F. Carbonell
Bob Carbonell is the Executive Vice President and Chief Credit Officer of Credit2B. Bob is one of the nation’s foremost retail credit reporting experts, with over 40 years of reporting and analytical experience. He is a sought-after subject matter expert for commentary and speaking engagements for leading trade and business publications, including Women’s Wear Daily, Credit Today, Wall Street Journal, Boston Globe, and the Washington Post. A timely and insightful expert with his finger on the pulse of retail, Bob recently began tweeting on Twitter (follow him @BobCarbonell1). Bob’s background includes experience at the National Credit Office Division of Dun & Bradstreet, serving the computer & electronics industry, and D&B’s Credit Clearing House Division where he was Director of Credit, he later served as Director-Credit Interchange, where he managed over fifty DUNSCITE credit groups. In addition to the insights he provides Credit2B clients on the apparel and accessories industries, Bob’s specialties include outdoors and sports, and factoring.
Irene Ripa is a Senior Credit Analyst at Credit2B. She provides Credit2B clients with her insights and expertise across numerous industries, including apparel and fashion. Irene has twenty-five years experience as a trade credit executive in factoring and as a specialist in the retail and consumer goods industries. Prior to joining Credit2B, Irene held senior level positions at leading firms including HSBC Business Credit, where she was an Assistant Vice President. Irene joined Credit2B in 2004.
Jaime G. Palanca
Jaime Palanca is a Senior Industry Analyst at Credit2B, with primary focus on the food and drug industries. Jaime is an experienced professional in the areas of credit analysis as well as credit and collections management. Prior to graduating with an undergraduate degree in Business Economics and Finance from De La Salle University (Manila, Philippines), he was an adjunct lecturer in financial analysis and investment management. Jaime’s corporate experience draws from over 25 years of experience across diverse industries including banking, electrical products, pharmaceuticals, apparel, industrial products and consumer packaged goods manufacturers. Jaime’s most recent position prior to joining Credit2B was as Director of the Credit Risk Management Group at Playtex Products. Jaime joined Credit2B in 2009 and holds an MBA in Finance from Fordham University.
Tom Dibuduo is a Senior Credit Analyst at Credit2B, providing expert analyst services across a broad range of US industries. Tom brings with him dual strengths and expertise in both the retail and factoring domains. Prior to joining Credit2B, Tom served as the Director of Finance and Collections at One Step Up. He also served in a credit management role at the Ironhorse Bicycle Company. His deep experience base also extends to the commercial factor segment, where he served as the Senior Credit Officer at GMAC’s Commercial Finance Factoring Division, as well as management roles at CIT, HSBC, and Capital Factors. Tom joined Credit2B in 2012.
Bruce Scroger is a Senior Credit Analyst at Credit2B. Bruce is a seasoned veteran in the credit field, with experience across a broad range of public and private US companies. His history includes serving as the Director of Credit at Maidenform, as well as senior credit management roles with firms including W. Seitchik and Sons and Trimfit. Earlier in his career, he also provided business analysis and service consultant roles at Dun & Bradstreet. Bruce has been with Credit2B since 2012.
Judith Consomer is a Credit Analyst at Credit2B. A seasoned credit analyst generalist, she provides credit analysis services for Credit2B clients across a broad range of US industry sectors. Judith has significant experience working for global banking and financial services firms, including Newtek Small Business Finance, Banco Popular North America, Arab American Bank, and NatWest Commercial Services. Judith joined Credit2B in 2012.
Samantha Patel is a Credit Analyst at Credit2B. Samantha provides expertise and insights for Credit2B clients for multiple industry segments. Samantha’s background is concentrated in the financial services and technology arenas. Prior to joining Credit2B, Samantha’s experience includes serving as a Senior Credit Analyst at the HP Financial Services Corporation, as well as providing credit analysts roles in leading global banking industry firms that include PNC Commercial Finance, First Union National Bank, as well as a number of operational support roles at Barclay’s Bank of England. Samantha has been with Credit2B since 2012.