About

Company Directory

Wayne Jean
waynej@bedfordlending.com
Founder and CEO

Wayne Jean founded Bedford Lending in 1991 and has grown the company from a small full-service lender into a recognized national leader in the mortgage banking industry. He has over 25 years of mortgage banking and investment banking experience. Mr. Jean oversees company-wide operations and is responsible for developing new loan programs to meet changing market demands.

Before starting Bedford Lending, Mr. Jean was founder and CEO of New England Resolutions, an Investment Banking Company formed to negotiate settlements and develop turnaround strategies for businesses that were negatively impacted by the failed banks in the 80's. Mr. Jean secured millions of dollars and successfully choreographed over 80 debt settlements, resulting in saving thousands of jobs in New England.

Before New England Resolutions, Mr. Jean worked as a Senior Commercial Lender for a regional bank in New England. He holds a Bachelor of Science degree from the University of New England.

Mr. Jean is a board member for several companies and is an active speaker on multifamily and commercial real estate finance for several professional organizations.

Charles S. Reese
churckr@bedfordlending.com
Executive Vice President

Charles S. Reese has over thirty years of extensive lending, workout and executive management experience. He is a former President & CEO of a regional bank and CFO of a transportation company.

Mr. Reese has dedicated his career to providing financial support and consultation to a myriad of businesses both large and small in a variety of industries. He has extensive experience in both origination and backroom services having served as a Senior Lending Officer, Loan Servicing Manager, Compliance Officer, Housing Finance Agency Liaison, and SBA Certified Lender.

After joining Bedford Lending Corp., Mr. Reese initiated the company's move into the health care industry and has underwritten and placed the company's Wall Street and HUD health care mortgage business. This experience in the heath care industry lead the company to receiving its approval as a HUD Multi-family Accelerated Processing (MAP) Lender. Mr. Reese is an approved MAP underwriter.

Mr. Reese's expertise spans the full spectrum of project finance, including skilled nursing home substantial rehabilitation, acquisition and refinance, new assisted living and low-income residential care facility construction, historical property renovation, and apartment building acquisition, substantial renovation and construction.

Mr. Reese also has an extensive workout background, having traveled throughout the US in the early 1980's overseeing the resolution of a number of financially distressed loan situations. He briefly served as chief operating and financial officer of a transportation company where he successfully navigated the company through the Chapter 11 Bankruptcy process.

He has also served as an instructor of both undergraduate and graduate level Management and Economic courses at a local college.

Mr. Reese holds a BA from Bethany College and a MBA from Rivier College. In addition, he received the Norman T. Shepard Outstanding Student Award at the Williams School of Banking.

Lisa Jean
lisa@bedfordlending.com
Executive Managing Director

Ms. Jean has been involved in all aspects of commercial financing including structuring, originating and underwriting. She has extensive experience in structuring complex affordable housing transactions and has been instrumental in the preservation and recapitalization of numerous Section 202 and 236 projects throughout the country. She works closely with clients developing strategies to maximize the benefits of the HUD financing programs. She also has considerable experience with funding the acquisition, refinance, new construction and substantial rehabilitation of market rate apartments, nursing homes and assisted living facilities.

Ms. Jean also serves on Bedford Lending’s Senior Loan Committee and is the company’s chief compliance officer. Prior to joining Bedford Lending in 2003, Ms. Jean spent 10 years working in the Non- Profit sector.

She holds a BA from New Hampshire College and a Master's degree from Boston University.

Joe Carmen
jcarmen@bedfordlending.com
Director of Equity Services & Managing Partner of Affordable Housing

Joe Carmen, CPA, MBA has funded over a billion dollars of affordable housing, healthcare and multifamily transactions. Joe's client first focus, creativity, and ability to simplify complexities allows him to fund many transactions other banks and investors pass on. Joe is the former president of NHC's Young Leadership Committee and is on the board of several non-profit organizations. Prior to joining Bedford, Joe worked as an auditor for both Ernst and Young and Pricewaterhouse Coopers. Joe is a sought after speaker at many affordable housing conferences and runs an active affordable housing blog.
Contact Joe at 603-637-4684.

Kyle Jean
kylej@bedfordlending.com
Managing Director

Kyle Jean heads the prequalification and client relations division of Bedford Lending. He works with clients and developers from around the country to analyze prospective projects and manage active deals currently in processing. Kyle also works closely with underwriters to provide support and analyses, and is securing his formal MAP and LEAN Underwriter certification in the near future.

Additionally, Kyle provides support to our network of originators to help them cultivate deals, and built both our internal custom client-management database and public website.

Kyle holds a BA in Political Science from the University of New Hampshire.

Craig Vogel
cvogel@bedfordlending.com
Managing Partner

Managing partner of United States for Bedford Lending, Craig Vogel has earned a reputation for one thing: Never giving up in his quest to find the best rates and terms available. In Craig’s words, “I am able to creatively develop financial packages for my clients, enabling them to get the best return on their investments. I am very client centric and will do everything I can to facilitate the best financing possible.”

Craig has worked in the financial services industry more than 30 years. Standing apart from the typical financial executive, Craig with Bedford Lending focuses on personalized commercial real estate loan experiences. He not only guides clients through every step of the lending process but also takes the time to educate them about the range of options available. Bottom line: Craig wants you to feel empowered and informed about your commercial real estate loan decisions. Contact Craig anytime at 208-214-3553 Ext 7.

Michael V. Carver
mcarver@bedfordlending.com
Analyst

With a background in law enforcement, Michael Carver brings organizational skills, investigative research abilities and a knack for adapting to all types of situations to his position with Bedford Lending. He prides himself in giving straight answers to clients. In Mike’s words, “I like to go the extra mile to help clients succeed even when it means doing extra work for our clients. We play a crucial role in helping businesses realize their dreams and I take that responsibility very seriously.” Mike earned his bachelor’s degree from Weber State University in Ogden, Utah. He lives in Meridian, Idaho with his wife and four daughters. Contact Mike anytime at 208-214-3553 Ext 2.

Jacobi Patterson
jpatterson@bedfordlending.com
Business Development Specialist

As a native Idahoan and a commercial real estate professional since 2006, Jacobi has encountered many financing challenges while assisting clients. So, joining W Business Capital seemed to be an ideal solution – with Bedford Lending, she can help clients find ideal properties and the best commercial real estate loans. In her words, “The thing I love most about real estate is the people and the relationships. It’s very rewarding to help clients achieve their goals. My clients are my number one priority.” Contact Jacobi anytime at 208-214-3553 Ext. 3.

Russ Norton
rnorton@bedfordlending.com
Business Development Specialist

As a business development specialist at W Business Capital, Russ enjoys the opportunity to provide innovative commercial real estate loan products. As he says, “W Business Capital allows me the freedom to get to know our clients and their unique projects. When I know clients well, I can better help them take maximum advantage of the financing programs available.” As a former business owner, and as professional who has worked in the commercial and residential real estate industries since 1997, Russ understands common entrepreneurial challenges and how to overcome them. You can count on Russ to leave no stone unturned in his search for the right loan for your business. Russ lives and works in the San Diego area with his wife, son and daughter. Contact Russ anytime at 619-717-2406.

Diana L. Teigen
dteigen@bedfordlending.com
Business Development Specialist

With a lifetime of construction, insurance and securities experience, Diana is uniquely suited to help business clients achieve their goals. Throughout her career, Diana has been integrally involved in her family’s construction business. And, for the past 20 years, Diana has worked in the insurance/securities industry, where she supervised and trained 18 agents. Now, at W Business Capital, Diana helps companies realize their growth objectives. In her words, “I’m able to relate to my clients’ concerns; help them work through the financing steps; and overcome most issues that arise when funding new construction or refinancing existing properties.” Diana resides in La Mesa, California with her husband. They have 9 grown children. Contact Diana anytime at 619-571-0249.

George C. Josephs
gjosephs@bedfordlending.com
Business Development Specialist

George began his career in the financial services industry in 1985, working with both retail investors and pension fund managers. His knowledge of both the equity and debt markets began then and continues to the present. George brings that experience and expertise to Bedford’s clients and prospects. The full range of Bedford’s capabilities is directed towards solving each prospective client’s problem and doing so with empathy. George believes the old standard remains true: “How can I create a desire in my client or prospect to do business with me”. An approach to identifying the need and presenting a solution is the focus of every business deal. The client or prospect come first, and effective problem solving remains the operative strategy for every deal. George believes that the object of every meeting is to listen, ask questions and then to provide options which will engage a healthy business discourse and make money for both parties.

Joshua Gaudette
josh@bedfordlending.com
Analyst

Mr. Gaudette is responsible for assisting in all aspects of loan origination analysis, performing due diligence research, developing marketing materials and maintaining client and investor relationships. He is currently enrolled in a Commercial Real Estate Development program and will be pursuing his CCIM designation.

Grier Newlin
gnewlin@bedfordlending.com
Managing Director

Grier G. Newlin has over thirty years of experience as a securities, corporate and real estate transaction attorney. He is the former Co-Chair of the Business Department of Schander Harrison Segal & Lewis, a national law firm. He is also the former Managing Partner of Asbell, Stribling, Cunningham & Newlin, an Atlanta based law firm which specialized in corporate transactions and private and public securities legal services. Mr. Newlin has extensive experience as a lender and individual investor in commercial real estate and in construction lending to the manufactured housing industry.

During his thirty plus years of professional life Mr. Newlin has provided legal advice and consultation to a large variety of businesses involved in commercial real estate, including clients in the hotel industry, manufactured housing, office, retail, multifamily and land acquisition, as well as counsel for construction companies. He has been lead counsel on multiple public and private securities offerings for clients engaged in commercial real estate. During the late 1980s and early 1990s, he was engaged by and advised the Resolution Trust Corporation with regard to a number of financially distressed bank loan syndications, all of which involved commercial real estate throughout the Southeast. Mr. Newlin formerly served as an officer and principal of residential mortgage brokers licensed in Georgia and Florida and as President of a residential and commercial construction lender.

Mr. Newlin focuses primarily on providing advice and counsel to clients of Bedford Lending seeking project financing and refinancing through the HUD loan guarantee program for multifamily, senior living-assisted living and manufactured housing sectors.

Mr. Newlin holds a BA degree from Davidson College, a JD degree from the University of Georgia, cum laude, and a Masters of International and Comparative Law degree from the Vrije Universiteit Brussel, magna cum laude, Brussels, Belgium.

Michael Ranieri
mchl_rnr@yahoo.com
Managing Director

- Earned a BA from Hobart College
- 39 years of banking experience
- 34 years commercial lending experience
- Five years with Chase Manhattan bank in upstate New Your with the Corporate Industries Component, working with subsidiaries and divisions of Fortune 100 companies, providing corporate finance, project finance, International Trade Banking and Cash Management services.
- Subsequently as with Larew, Doyle & Associates, a New York City based real estate mortgage and investment firm, providing real estate debt and equity. During this time I developed a working knowledge of HUD commercial lending programs. Closed $30 million in HUD 232 and 232f loans.

Greg Wing
gwing@bedfordlending.com
Managing Director

Greg is President of Bedford International, a national Tax Consulting Firm specializing in commercial financing, tax incentives, cost segregation and energy solutions. He has extensive knowledge in HUD and USDA financing and has over 20 years experience in commercial finance. Greg's diverse skills enable him to blend his incentive programs with the financing programs to arrive at creative finance strategies.

Prior experience includes senior management positions at several Fortune 500 companies and the leadership of two high technology companies that he helped take public and later sold.

Greg is a noted national speaker and published author on corporate finance and specialized corporate tax matters. He has served on numerous boards of directors at for-profit and not-for-profit business entities, including the board of a commercial bank. Further, he has served in leadership of many civic and church related organizations.