Hire True Professionals With The Right Blend Of Talents
The Dager, Spira & Miron is an affiliation of three individual consultants who individually or together advise families about making a loan for business purposes. Keith Dager advises on financial and economic issues, Jeff Spira on operations, marketing and people issues, and Avi Miron on legal issues. Together they bring different talents that cover the bases for protecting you and giving you the confidence to make a wise decision.
Keith Dager
Keith Dager is an experienced financial analyst and investor. He has a 31 year uninterrupted career in finance.
For the past 23 years, he has been a vice president and indemnity-risk underwriter for major title insurance
companies.
Keith has a degree in economics from a Japanese university (Sophia, 1977) and a Masters in Business Administration (MBA) from California State University (1997). Keith began his financial career working for a major international bank (Sumitomo in California). He was trained in bank operations, lending and credit analysis for three years and then employed as a loan officer. During his 9 years of banking, Keith financed many family owned businesses and new venture start-ups, particularly for retail stores, restaurants, and wholesale or import businesses. Keith left banking in 1986 to join a major title insurance company which is now Fidelity National Financial (www.FNF.com). He was hired as a financial risk analyst and underwriter of credit risk insurance. During his 23 year title industry career, Keith made and continues to make decisions on insuring credit and financial risks relating to bank loans for the construction or the purchase of properties. His work has him analyzing developers' financial condition and construction budgets for the risk of cost over runs, litigation, project failures and loan defaults. Keith also performs a financial analysis in many other types of commercial businesses outside of construction. In this line of work, he judges the likelihood of a future bankruptcy, and whether that could lead to the avoidance of mortgages his firm is asked by lenders to insure against such a risk.
Keith will use his extensive talents and experience to review the business plan, analyze whether the financial projections are realistic and acheivable. He'll evaluate more than just the numbers too, including the character and reliability of the proposed management team.
Keith's position as vice president and senior risk underwriter for the Fidelity National Title Group is a key role in that firm's senior legal department for insurance underwriting. Keith is not an attorney and can not substitute for legal advice from your counsel. He is knowledgeable however, of legal aspects of lending and bankruptcy that pose grave risks to family lenders. He will work with your family attorney to be sure you receive from counsel the legal advice you need to avoid lending traps, pitfalls and catastrophes. Keith will explain what insurance options are available to you to back up good documentation, lien priority and to not lose that by exceeding the role of a lender.
Jeff Spira
Jeff Spira is a seasoned small business startup, operations, and marketing manager. His experience reflects
in excess of 30 years of expertise in real world management, engineering and manufacturing.
Jeff has a degree in mechanical engineering from California Polytechnic State University (1976). Jeff began his engineering career that year and quickly rose to through the ranks becoming and Engineering Manager at only 26 years old, and the General Manager of a small manufacturing company at 29. He started his first business in 1983 an engineering, sales and marketing company, and operated it for eleven years. Since then he's been hired to start-up, turn-around, and reorganize manufacturing and distribution companies from recent start-ups to existing multi-national operations with hundreds of employees.
Jeff brings real world knowledge of people, marketing, operations, financial management and technical expertise to bear when reviewing business proposals. His input will address the practicality of the business plan. This is critical to successful startup and ongoing growth of the business.
Avi Miron
For over 33 years, Avi Miron has worked as in-house counsel providing legal services to his management,
personnel and employer's clients in the field of real estate, business law and lending. His long legal career
gives Avi a great depth and breath of insight to transactional legal issues in real estate and business.
He has helped many unaware or incautious lenders avoid painful legal traps and loan losses, or to extract
themselves from such troubles. As legal counsel, Avi "underwrote" (analyzed and approved) the legal standing
of loans or title insurance for a constant flow of property sales and mortgage loans. He is as knowledgeable
as one can be about collateral lien priorities ranging from the simple to the most complex deal structure and
financing arrangements. He has handled lenders' foreclosures; loan modifications; workout agreements; and,
commercial leasing. He often worked as the legal component of an underwriting team with title company financial
analysts and risk underwriters. That is where he came to know Keith Dager at the Fidelity National Title Group.
Avi and Keith would show troubled lenders and borrowers the most workable financial solution to their loan
default woes, and then legally document it the right way so that all parties did their part.
Avi has also represented private clients in various business matters. Matters brought to him as legal counsel are sometimes financial business and loan work-outs - tattered business deals where inadequate legal foresight and documentation allowed financial distress that might be survivable to instead, create an imminent risk of bankruptcy. Avi would often find win-win solutions to settle such disputes. He of course drew on his legal skills, but also drew on past experience, creativity, and a respect for every side's worries and objectives to make the best out of bad situations. Avi has seen families horribly surprised and hurt when lending to family members or friends. These were well meaning individuals who could have avoided their lending fiasco and resulting family feud had they been properly advised when making the loan. Avi knows the risks and the professional approach needed for family lending.