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About the Author

Derek Ridgley is a Credit Research & Development Officer for Silicon Valley Bank. In his role, he provides strategic direction for a number of Silicon Valley Bank commercial loan products and business processes associated with the commercial loan portfolio and is involved in regulatory relations and compliance. He has a shared responsibility for credit approval and portfolio risk management activities at the commercial bank. Since joining SVB in 1997, he has held a variety of roles in sales, account management, advisory services, client service and non-credit product management.