David Hammond is a Senior Vice President at Waygar Capital Inc. He has spent over 20 years in asset-based lending in Canada. After graduating university, David joined Coopers & Lybrand in their audit practice. After becoming an Audit Senior, he then joined Canada Revenue Agency in the professional audit division. In 1995, David entered the relatively new asset-based lending industry and since that time has held progressively senior positions with ABN AMRO Bank (now TD Asset Finance), Congress Financial Corporation, GE Capital Business Credit Inc., CIT Business Credit Inc. (now CIBC Asset Based Lending) and GMAC. Over his career, David has been responsible for overseeing portfolios in excess of $2 billion located in Canada, USA and Panama. In addition, he has supervised the writing of a Master Copy of a Credit Policies and Procedures Manual for a Tier II Bank as well as successfully audited, originated and administered sophisticated loan transactions in both asset-based lending and commercial real estate. David’s career in the ABL industry has been that of a builder and senior team member. David graduated from Jacksonville State University in 1988 with a Major in Accounting and a Minor in Finance.