About Us
Who we are
Our history
Founded in the early 1990s, by Jim Callahan, Pentalpha quickly became the trusted partner in stabilizing and restructuring distressed financial institutions. Our firm played the leading advisory and management roles during major financial crises, including the 1998 Russian debt crisis and the 2008 mortgage collapse. These high-stakes assignments impacted hundreds of billions of dollars in assets and shaped the future of financial risk management.
With a team of former credit traders, quantitative analysts, and loan operations specialists, Pentalpha has consistently been at the forefront of debt restructuring and financial optimization. Our long-standing corporate independence empowers us to offer unbiased advisory services, allowing us to represent financial institutions, corporate boards, and federal agencies with absolute integrity.
For more than 3 decades, our collections and valuation team have been optimizing sub-performing debt on the largest bank failures, structured failures and loan portfolio failures to deliver top percentile performance for the portfolios and debt instrument we work for.
Our Commitment
We don’t just provide solutions—we become your strategic partner, leveraging industry-leading technology to help you make informed, data-driven decisions in an increasingly complex financial landscape.
We value our corporate independence as the foundation of our integrity. We work for the deal—not for any biased party—ensuring objectivity and fairness. We actively identify and remediate conflicts of interest, and respectfully challenge conventional thought to drive better outcomes for all stakeholders.
Our credentials are built on deep credit collections expertise, sophisticated covenant structuring, and a proven track record in high-profile workouts. We leverage advanced artificial intelligence to detect risk patterns and surface critical insights, combining human judgment with cutting-edge technology.
Enhancing Cash Flows and Liquidity When working out distressed loans, it’s all about analyzing unique unstructured data, comparing this to robust workout benchmarks, utilizing specialized, defendable predictive analytics followed by execution with robust proficiency. While the list of workout paths is well established, overlaying previously observed corporate bias of the universe of workout parties can result in new items to workout for the hedge agent. Pentalpha can improve cashflows.
We help the private credit markets flourish so they can grow global GDP responsibly by transforming unstructured data into actionable insight during loan workouts. We perform deep credit and operational analysis, compare it against our robust behavioral benchmarks, and make defendable compliance decisions. We promote workout transparency, contracted accountability, so they boost long-term market integrity and give borrowers access to low-cost financings.
Meet our team
Awesome people helping finance leaders grow.
Dancia Callahan
Chairman
John Callahan
Executive Director
Kathleen Olin
Managing Director of CRE and Private Credit
JR Campuzano
Managing Director - Business Development
Rhonda Weston
Managing Director of RMBS/ABS and Business Operations