Born in Minnesota, Dave has lived and worked in banks in Montana, Washington, Wisconsin, and Minnesota.  His career has included middle-market commercial lending in Seattle, designing asset-based audit programs in Alaska, and managing regional audit and loan review offices in Minnesota and Wisconsin.

Dave founded DLS Consulting in 1991 to provide specialized consulting services and assist financial institutions in improving credit risk management and dealing with regulatory requirements.  With a strong work ethic inherited from his father, Dave has a head for analysis, and a non-confrontational, easy-going nature which promotes a team approach to audit and consulting engagements.  This approach has expanded the business to include clients throughout the western United States.

When he is not traveling, you can find Dave at home along the Missouri River near Ulm, MT where he and his family enjoying hiking, canoeing, fishing, and skiing. Dave earned a Bachelor of Arts degree in Economics from Northwestern College and a Master of Business Administration degree in Finance from the University of Minnesota Carlton School of Management.

Natalie was born and raised in Colorado. For school and work, Natalie has traveled throughout the country as well as to many others. Her professional background includes a myriad of jobs, such as working in commercial real estate, education, localization, and banking.

Natalie first started working for DLS in January of 2019. Starting out as the company bookkeeper, she slowly learned more about loan review, taking over consumer loan review in the summer of 2019. Since 2020, Natalie has helped lead most company operations.

In her free time, Natalie enjoys time with her two dogs, cooking, and sewing. She received her BA in International Studies with a minor in Spanish from Gonzaga University and her MA in International Studies from the University of Wyoming.

Bridger was born and raised just outside of Great Falls, Montana. With a passion for numbers, Bridger went to school for Math and Economics, and has professional experience in loan review and market research.

Starting with DLS in 2016, Bridger has learned loan review from the ground up, making meaningful connections with clients and giving a new perspective on loan review. Working with DA Davidson for a short time in the summer of 2017 as a IIG Research Analyst, as well as his experience with academia in his position as a Teaching Assistant at the University of Wyoming, Bridger has brought new and interesting insights to DLS and their clients.

In his free time, Bridger enjoys the outdoors, throwing a ball for his dogs, and woodworking. Bridger graduated from Gonzaga University in 2018 with a BS in Economics and Mathematics, and from the University of Wyoming in 2021 with a MS in Economics.

Scott Godfrey has over 37 years of banking experience. He worked for two years on Special Assets and Problem Loans for Idaho First National Bank in Boise, Idaho. Scott also worked with Norwest Corporation for 11 years on Special Asserts, Problem Loans, and Credit Administration.

Since 2001, Scott became the Senior Vice President and Chief Credit Officer for Western Security Bank, Division of Glacier Bank.  In the role of SVP CCO, he was responsible for the commercial and Ag portfolio management, lending, credit administration, collection, compliance and part of the banks senior management team. In addition to Ag and Commercial segment provided oversight on the consumer loan portfolio and underwriting. He totaled 25 years with Glacier Bank before retirement in April 2021.

Scott joined DLS Consulting in April 2021 after retiring and relocating from Billings to Dillon, Montana.

Bret Carpenter grew up in Denton, Montana, and graduated from Montana State University with a degree in Agronomy.  He started his banking career with the “Farm Credit System”, moving into managing ‘special credits’.  In 1991, he began working for “Farmers State Bank” in Conrad, later taking a branch management position in their DeSmet South Dakota branch.  In 1997, Bret became the branch president of “Basin State Bank” in Lewistown, and later became the “Stockman Bank” branch president there.  After 40 years in banking, he retired and working fully with DLS, residing in Lewistown.

Anne DeBoo has been in banking since 1983. She has a broad spectrum of work experience, having started in the real estate department, supervising loan processing, then lending.

In 1989, she moved out of real estate lending into business banking and has been working as a commercial lender ever since. Her last position at Western Security Bank as a Vice President in Business Banking spanned over 20 years.

She enjoys a challenge having worked with tax credit financing, and municipal lending along with a broad range of business lending. She has a BS in Business Management from Montana State University, and enjoys camping, hiking and fishing in our great State of Montana.

Zoe was born and raised in New Hampshire, spending a few years in Costa Rica, as well as a few others on a boat in the Bahamas. From 2017 until 2020, Zoe restored and excavated murals around New England to be preserved. Zoe attended Berklee College of Music from 2019 until the summer of 2020. In 2021, Zoe attended the Port Townsend School of Woodworking. In the summer of 2021, Zoe joined the DLS team as a loan reviewer.

In her free time, Zoe enjoys singing and playing her guitar, snuggling her dogs, and hanging out in nature.