Dan Kreis

Director of Portfolio Management


Dan Kreis manages the Portfolio Management practice area of First Annapolis.  Dan specializes in consumer and small business lending and brings risk management expertise to all of the major lending decision areas – prospect selection, credit underwriting, and account management.  He has managed and consulted in nearly every back office function – credit, collections, fraud, customer service and accounting.  He advises banks, retailers, third party service providers, specialized lenders, and companies in adjacent markets such as check-cashing firms, Internet-based consumer auctions and utility companies.  Dan brings a practical understanding of how predictive models, decision engines, and other credit tools can be deployed to the benefit of each client’s unique situation.

Dan has over 33 years of operations and risk management experience.  Over half of his career has been dedicated to managing credit card and other consumer loan portfolios.  Over the course of his career, Dan has developed practical solutions in response to the challenges brought upon by different economic cycles, changing competitive conditions, and unique strategic demands.

Dan is a published author and has lectured at various conferences, seminars, client executive forums and user groups.  Additionally, he has served as an expert witness on a variety of litigation matters concerning the payments industry.


Account Management
Risk Management
Operations Management
Portfolio Launch Support


University of Maryland at Baltimore County B.A. in economics and finance

Professional Background

Fair Isaac Corporation
First Omni Bank
PMC (a portfolio management firm)

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