About us


Eensight offers effective, affordable and customizable credit training solutions for financial services organizations.

Our partners and staff are committed to creating an amazing and seamless experience to create the best in class credit training programs for your financial institution.

Our Management


Managing Partner at Eensight

Carlos Almeida

Carlos is a Managing Partner at Eensight. He has been working in and for financial institutions for the last 25 years, both in Mexico and in the USA. His area of expertise has been focused primarily on credit risk, credit training and certification processes.

Carlos has a Master in Business Administration “MBA” from the University of California at Berkeley (“Haas School of Business”) and a Bachelor in Science in Economics from the Instituto Tecnológico Autónomo de México (ITAM) in Mexico City

Managing Partner at Eensight

Tom Carlin

An authority on credit risk, Tom is a Managing Partner at Eensight. He has worked with major financial institutions over the last twenty years, designing and teaching credit related topics including: commercial lending, consumer lending, business lending for branch bankers, accounting for bankers, financial statement analysis, cash flow analysis and loan structuring.

His audiences include business bankers, branch lenders, recent graduates going through the organizations basic credit training program and middle market lenders with many years of experience.

Partner at Eensight

Tom de Roque

Is the President of Paragon Analysis Corporation, a financial consulting firm specializing in the design, development and instruction of financial analysis, corporate finance, and credit evaluation training programs.

Prior to becoming a consultant, Mr. de Roque spent over twelve years in banking. He was a senior Corporate Finance Officer with Security Pacific Bank where he managed the relationships of both domestic and multinational corporations headquartered in Los Angeles, Chicago, and San Francisco.

Training and Consulting

Michael F. Stara

In 1997, Michael F. Stara launched his consulting firm East Coast Consulting Group LLC. ECC provides consulting and training services in the area of credit to financial services organizations in the US and internationally. His specialties include providing loans and other credit vehicles to small business, middle market, high net worth, healthcare, government and nonprofit clients. He assists his clients by providing the tools they need to make effective loans to these clients, including the required business, personal, and financial analyses. He has trained and consulted with hundreds of financial services professionals.

Previously, Mr. Stara was employed by Ernst and Young in their audit department, and held a variety of financial analysis, lending, credit and managerial positions at Mellon Bank, NA.

He is a CPA, and holds a Bachelor’s degree from the University of Cincinnati and a Master’s degree from Northwestern University’s Kellogg School of Business. He is also a Certified Professional in Learning and Performance.

Training and Consulting

Ann Weimer

She has been in banking for over 18 years. Weimer was Vice President in the Private Banking Division of Bank One Columbus (now JP Morgan Chase Bank) for 11 years. She was responsible for the Corporate Executive Group consisting of four relationship managers lending primarily to local Corporate Executives in the Columbus area. While having managerial responsibilities, her primary responsibility was to develop long term private banking relationships with executives including several medical groups and law firms. Her duties included underwriting and approving credit transactions including stock purchase, secured and unsecured lines of credit, business purchase, and residential and commercial real estate. She was also responsible for introducing the Bank’s investment, trust, mortgage, and cash management services to clients.

Prior to joining Bank One Columbus, Weimer spent over seven years with NationsBank Dallas, now known as Bank of America. After completing the traditional one-year bank training program, Weimer was assigned to the U.S and Canada Commercial Lending Division with large corporate account and business development responsibilities in the Chicago area. Ann moved to the Private Banking Group three years later and initially developed business with the large local law firms and their partners and associates. Ann was promoted to Vice President and worked primarily in the Private Banking Corporate Executive Group until her move to Columbus, Ohio.

Weimer received a BS in Finance from Miami University, Oxford, Ohio. She obtained a Certified Financial Planner license in 1993.

Training and Consulting

David Herter

He is Founder and Principal of Herter Associates, LLC, a corporate training company specializing in the development and delivery of credit, lending, and corporate finance seminars. Herter teaches at a wide range of commercial and investment banks both domestic and international. Prior to starting his training company, Herter had a 22 year career in corporate banking. He served as Director of Credit and Capital Markets Training at FleetBoston Financial where he was responsible for developing and teaching credit and finance courses to over 5,000 credit professionals throughout the Commercial Bank and Risk Organization.

Herter ran the bank’s Corporate Banker Program that trained incoming undergraduates and MBAs to become financial analysts, lenders, and capital markets associates for lending units throughout the bank. He also delivered a continuing education curriculum of over 40 seminars for experienced lenders throughout the bank.

Before joining Credit and Capital Markets Training, Herter was a Managing Director and Team Leader in BankBoston’s Media and Communications Lending Group with oversight responsibility for the bank’s $1.4 billion Global Cable TV Portfolio. In that capacity he led the bank’s initiatives with domestic and Latin American cable companies, cable programmers, and satellite operators. He served as a senior lender in Media and Communications for nine years. Earlier in his commercial banking career, Herter was as a Senior Lender in Middle Market New England serving middle market clients in a broad range of industries. He also served as a Training Manager in the bank’s Loan Officer Development Program.

Prior to his banking career, Herter taught high school History and Latin.

He earned a Bachelor of Arts Degree in Economics and Classics from Bowdoin College and a Masters Degree from Brown University.

Training and Consulting

Vaughn Pearson

More than 40 years’ experience in executive lending and credit roles in commercial banks and financial services consulting organizations.

Competencies include bank governance, commercial credit underwriting, real estate financing, collections, loan workouts, regulatory response, credit review and examination, due diligence, consent orders, lender liability, breach of good faith, wrongful defaults, control and interference, and duress and coercion.

Professional Experience

More than 25 years in four mid-sized regional and community banks, serving in senior and executive management roles including Chief Credit Officer and Chief Lending Officer, as well as 15+ years in financial institution managing consultant roles that include major organizations: EDS, Deloitte, and Computer Sciences Corporation.

Consulting Experience

Extensive interaction in matters relating to director responsibilities in lending and credit extension, monitoring, and collection; development of enhanced written credit policy statements; regulatory examination and interface; troubled asset negotiation and disposition; credit review activities (formation, maintenance, allowance, migration analysis, and stress testing); development and management of functional duties within commercial middle market, commercial real estate, residential construction, small business, consumer, single-family mortgage, bulk purchase, loan servicing, credit analysis and loan operations units; and professional training and development of lending and credit personnel.

Speaking Experience

On the faculty of the Risk Management Association for more than 35 years, leading up to ten seminars on several different lending and credit topics, and speak nationally to industry trade groups and regulatory audiences.

We are always looking for good and talented people



Please fill in your details below or contact us at 914 834 455 


    This will close in 0 seconds

    Any of our online credit training programs when your institution purchases 3 or more licenses.

    This will close in 0 seconds