"There are a handful of truly outstanding credit experts in the U.S., and Merrill Reynolds is among them. His down-to-earth style belies a keen, analytical mind that doesn't miss a thing. He presents his knowledge in a way that everyone can understand. We are fortunate to have him on the faculty for the Southwestern Graduate School of Banking and consider it a triumph to have him as a speaker for the Assemblies for Bank Directors and the Workshops for Bank Directors. Our audiences think he is terrific. Merrill - bar none - is the go-to guy for credit."