About Us
Six48 Consulting
Built on a Firm Foundation
Six48 Consulting is a boutique credit risk management consultancy specializing in Member Business Lending (MBL) programs for credit unions. Founded on over 40 years of direct experience in commercial lending, underwriting, portfolio management, and business development, Six48 Consulting helps credit unions establish, manage, and grow commercial lending programs built on sound risk management principles. The firm’s name derives from Luke 6:48 — a commitment to building on foundations that stand the test of time.
Our President
Dennis Biearman
Credit Union MBL Consultant | Preacher | 40+ Years Building Commercial Lending Programs | Founder, Six48 Consulting
Dennis Biearman is a seasoned financial institution consultant with more than 40 years of experience in credit risk management, commercial lending, loan review, and problem asset resolution. A former Chief Credit Officer, Dennis helps banks and credit unions strengthen portfolio quality, address regulatory concerns, and implement practical, results-driven credit solutions.
Seasoned Banking Executive | Expert in Credit Risk and Loan Portfolio Management
Our Founder, Dennis Biearman, is a trusted financial institution consultant and former Chief Credit Officer with over 40 years of experience across commercial banking, credit unions, and financial consulting. Dennis works with banks and credit unions to enhance credit risk management, improve commercial and small business lending practices, conduct independent policy and loan reviews, and develop sensible problem asset resolution strategies. Known for his practical, hands-on approach, Dennis works closely with boards, management teams, and examiners to implement effective credit risk management solutions, assess loan portfolio risk, support mergers and acquisitions, and address potential supervisory concerns.
Credit Risk Management & Policy Development
Expert in designing, implementing, and overseeing credit risk frameworks, lending policies, and regulatory compliance programs that strengthen portfolio quality and align with institutional risk appetite.
Commercial & Small Business Lending Leadership
Proven ability to lead end-to-end lending operations, including underwriting, structuring, portfolio management, and business development for small business, commercial, and real estate loans.
Loan Review & Credit Analysis
Extensive experience conducting independent loan reviews, credit due diligence, and asset quality evaluations to ensure sound lending practices and support M&A and regulatory examinations.
Regulatory Compliance & Integration Management
Strong track record of working with federal examiners and bank boards to resolve supervisory agreements and successfully integrate credit, documentation, and risk management processes following mergers or acquisitions.