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About us

KYR Financial Services

Craig Combs founded KYR Financial Services based on his belief of the enormous benefit credit scoring modules have on improving the quality of the credit analysis, improving consistency in credit reviews and how the Credit Professional interacts.

Craig has over 20 years experience in the Credit Profession. His background includes domestic and international credit management, with experience covering the following industries: Consumer Goods, Manufacturing and Textiles industries.

Craig also has worked in the Education field as a teacher and as a director with the Board of Education.

Craig Combs founded KYR Financial Services based on his belief of the enormous benefit credit scoring modules have on improving the quality of the credit analysis, improving consistency in credit reviews and how the Credit Professional interacts.

Craig has over 20 years experience in the Credit Profession. His background includes domestic and international credit management, with experience covering the following industries: Consumer Goods, Manufacturing and Textiles industries.

Craig also has worked in the Education field as a teacher and as a director with the Board of Education.





In 2003 Craig was concerned regarding the length of time it takes to make a credit decision and how cumbersome the process actual is and wonder if there was a better way. For the next year his focus was on designing a Credit Scoring Module which speeds up the credit review process, improves decision making, quality of the decision and most importantly allows for the credit manager to maximize their credit expertise.

In 2004 he introduced 2 credit scoring modules which continue to be used today. Each module has been continually updated to support how credit scoring evolves.

Craig holds a BS Degree and Masters Degree in Education both from The University of Akron.

Virginia Soderman joined KYR Financial Services based on her belief and support of the concept of modeling and scoring financial behaviors. With a sound scoring model as a foundation, the Credit Professional is able to make necessary business decisions, fully informed as to the risk and the impact on the portfolio.

Virginia's career in the Credit Profession began after obtaining her Bachelor's degree at California State University at Lost Angeles and spans over 30 years, all with consumer goods manufacturers. Over that time, she has maintained her CCE certification and has also supported the profession by serving on Industry Credit Group advisory boards and through active membership in the Credit Research Foundation.

Mike Bogen joined KYR Financial Services based on his belief that with the Credit Professional's needs along with current technologies, he could make a difference to improve their business processes.

Mike has worked in all areas of IT including design and development, testing, installation and support, as well as analysis and end-user training. Mike Bogen's career as an IT Professional covers over 18 years, with various commercial and manufacturing industries. During that time, he has attended conferences and kept up with technology to stay informed about the latest IT trends so that he may bring new ideas to his customers to improve their business efficiency and productivity.

Meet The KYR Financial Services Team

Craig Combs - President

Craig Combs founded KYR Financial Services based on his belief of the enormous benefit credit scoring modules have on improving the quality of the credit analysis, improving consistency in credit reviews and how the Credit Professional interacts.

Craig has over 20 years experience in the Credit Profession. His background includes domestic and international credit management, with experience covering the following industries: Consumer Goods, Manufacturing and Textiles industries.

Virginia Soderman - VP Marketing

As an active member of Industry Credit Groups such as the National Food Service Manufacturers Credit Group, and the Credit Research Foundation, Virginia has been in a unique position to observe how many companies and industries approach risk analysis and management information and reporting.

She believes the functionality and range of choices presented by the Credit Wizard provide a thorough foundation for assessing a company's portfolio risk.

Mike Bogen