Who We Are

Steve Kraus

Steven Kraus

Chief Strategy Officer

Steven Kraus is a Senior Managing Director of Risk Associates driving business development and new credit product development across UAFRS, BAAS, ESG and AI platforms. In addition, Steve is an Advisory Board Member of the UAFRS Council for Valens Research. He also is a Co-Founder and Managing Partner of Meridian OHC, LLC. Meridian seeks to become an active, lead shareholder in micro-cap companies that have built profitable and sustainable leadership positions in niche markets. Prior to Meridian, Steve was a Managing Director in the IB Global Innovation group at Credit Suisse. During his time at Credit Suisse, Steve ran the capital markets group for small cap companies that spanned multiple industries. Steve brings over 30 years of experience in banking and private & public equity markets.

Andy Moser

Andy Moser


Andy Moser is a Commercial Finance and Consumer Products industry veteran, who is recognized by many as a subject matter expert, as well as by his industry peers, for his contributions and creativity in structuring opportunistic and complex transactions for nearly thirty-two years across North America. He has held numerous positions throughout his career spanning from corporate and business development to structuring, loan operations and credit risk management. His primary focus has been in developing and executing distressed asset and opportunistic strategies designed to maximize asset yield in situations spanning across numerous industry sectors and involving inventory, accounts receivable, real estate, intellectual property, and other unique asset classes

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Bert Knotts

Founder & Chief Advisor

Bert Knotts is a Founding Partner and the firm’s Chief Credit Officer. He oversees SRA’s independent loan review engagements, all credit risk management client support including specialty finance, and the credit related solutions in SRA’s software as a service business. He leads all credit risk management, loan resolution, and lending strategy engagements at regional clients, community clients, and specialty finance firms including his leadership role in M&A credit due diligence. Prior to SRA’s founding, Bert was a Senior Vice President at Capital One Financial Corporation and the Head of Credit Review Services for the entire company. In 2012 he served as CEO of the Darien Rowayton Bank in Darien, CT assisting with a capital raise and go forward business strategy.

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Jeffrey Wurst

Chief Legal Officer

Jeffrey Wurst has more than 30 years of experience and is well recognized

for handling significant commercial finance and bankruptcy matters. He is an esteemed fellow of the American College of Commercial Finance Lawyers and is a panelist on the American Arbitration Association’s National Roster

of Arbitrators. Highly regarded for his knowledge and experience in commercial finance where Wurst is skilled in formulating solutions to protect lenders in structuring difficult to monitor loans. Jeff is an outside-the-box thinker who is skilled in handling matters involving loan workouts, asset-based lending, factoring, syndications, leasing, and C&I, as well as bankruptcy matters, and turnaround situations stemming from transactions.