Outsourced Banking Solutions was founded in 2020 on a simple premise: community banks deserve independent credit expertise from people who understand how they actually operate.
OBS is based in eastern Missouri and works primarily with banks in Missouri, Illinois, Kansas, and surrounding Midwest markets. Clients range from $100M to $1B in assets.
Built by bankers.
Built for community banks.
Quade Wood
Principal & Founder
Quade Wood founded Outsourced Banking Solutions in 2020 after more than 15 years in commercial banking and outsourced credit services. Before starting OBS, he spent three years at CLA, a national public accounting firm, where he managed the national service line for outsourced credit risk services, overseeing loan review engagements for more than 100 financial institutions. Prior to CLA, he spent nearly a decade at Commerce Bank in credit analysis, commercial banking, and special assets roles.
Quade holds a Credit Risk Certification (CRC) from the Risk Management Association and serves on the board of the St. Louis RMA Chapter.
Terry Visintine
Director of Loan Review
Dedicated commercial credit professional with over forty years in the banking industry. As Chief Credit Officer of a community bank with $1.3 billion in assets, Terry was valued for maintaining a credit culture that appropriately balanced loan growth with asset quality and adherence to sound lending practices.
Terry has a broad-based background in credit risk management, commercial credit approval process, and loan portfolio administration developed from his experience as a banker and 14 years as a National Bank Examiner for the Office of the Comptroller of the Currency (OCC).
Steve Middelkamp
Director of Business Development
Steve Middelkamp brings five decades of banking experience to OBS, with a career spanning correspondent banking, loan servicing, commercial lending, and acquisition due diligence across St. Louis-area institutions.
He has deep familiarity with bank operations, lending, and financial analysis, including work advising on bank and holding company acquisitions. His network across Missouri and Illinois community banking is among the most extensive in the region.
Lee Koch
Senior Loan Review Consultant
Thirty years in banking spanning loan production, credit administration, and eight years as a loan review consultant with CliftonLarsonAllen and Norman Backues and Associates. Having originated and administered loans before reviewing them gives Lee a lens most reviewers don't have. He holds a CRC from the Risk Management Association.