Terrence (Terry) Kruk is a Managing Director of Waygar Capital Inc. He has spent over 25 years in asset-based lending including business development, underwriting, field examinations, and portfolio management. Prior to his involvement in lending, he was an Audit Supervisor (Coopers & Lybrand), Internal Auditor – Head Office (Alcan Canada), Controller (Blake, Cassels and Graydon LLP) and Controller (Tilden Car Rent). Terry was a key senior member in a number of asset-based lending start-ups by GE, Congress Financial and Scotiabank and held progressively senior positions. He joined Waygar Capital Inc. in the spring of 2015 and has full responsibility for Operations, Administration and Loan protocols. Terry has a Bachelor of Commerce from Concordia University (1976).