Our Team

We Know Finance. Collaborate With Us.

Our team is what makes Dext the best. We are direct lenders. We make common sense decisions. We have competitive pricing without the bank bureaucracy.

Kyin Lok
Chief Executive Officer

Kyin Lok is a 25-year veteran and leader in the equipment leasing industry. His deep knowledge in healthcare and technology expanded in his roles managing and developing businesses such as GE Capital, US Bank and TCF Bank. Kyin has managed both direct originations and vendor-oriented businesses establishing a track record for successful growth at every business he has led, including GE Capital’s Asia Healthcare Platform, US Bank’s Middle Market Vendor business with a focus on healthcare and technology and several diversified business lines for TCF Bank.

Kyin is well respected and known as one of the brightest minds in the industry and brings a humble leadership style to Dext Capital. Kyin has also had the benefit of overseeing corporate development efforts at GE Capital and TCF Bank, building de novo businesses and leading several successful acquisitions and integrations which makes him uniquely qualified to make decisions on how best to build a company and avoid potential pitfalls of less well capitalized independent lessors.

Kyin has an undergraduate degree from Northeastern University and earned a MBA from Columbia Business School. He is happily married with two kids. During his free time he enjoys golfing, rooting for his hometown Boston teams, serving on boards for nonprofits and spending time with his family

Eric Gross
Chief Operating Officer

Eric Gross’ career spans 25-years in the commercial equipment finance and leasing industry. Prior to joining Dext Capital, Eric was the Senior Vice President and Director of Bank of the West’s 3rd party servicing division. There he managed a portfolio in excess of $3 billion.

Before joining Bank of the West, Eric spent 20-years working in the lease and finance industry with Ford Motor Credit, ORIX Financial Services and Portfolio Financial Servicing Company. Eric holds a B.A. in Economics from Washington State University. He is past chair of the Equipment Leasing and Finance Association’s Vendor and Captive Business Counsel Steering Committee and is active with Candlelighters of Oregon.

During Eric’s free time he enjoys fishing and spending time with his family.

Scott Eshleman
Chief Risk Officer

Scott is responsible for all aspects of credit risk management including credit policy, credit underwriting, and portfolio management. Before joining Dext Capital, Scott built a 20-year career in the equipment finance industry. Most recently he served as the Vice President of Credit for Umpqua Bank/Financial Pacific Leasing, where he led a team of credit underwriters in the origination of large ticket and application only transactions across multiple business channels including Direct, Vendor, Broker, and Capital Markets. In addition, Scott spent a number of years at US Bank Equipment Finance implementing, underwriting, and monitoring vendor programs and end users in the Healthcare space.

Prior to that he held various credit positions with GE Capital Colonial Pacific Leasing including app only and large ticket credit underwriting. Scott is a graduate of the University of Oregon, where he majored in Finance and Management, and Portland State University, where he earned a Master of Business Administration.

In his free time Scott enjoys spending time with his wife and three children, rooting for his beloved Ducks, and exploring the Portland music scene.

Steven Carnegie
Chief Technology Officer

Steven is responsible for technology development and execution at Dext Capital, focusing on accelerating originations, optimizing operations, and driving innovation. Previously, he was Chief Information Officer at Genesis Financial Solutions, a multi-billion-dollar consumer finance company. He was responsible for all technology related functions including development, IT operations, and infrastructure. Steven lead the IT initiatives that allowed the company to scale from zero to two billion in originations over seven years. Previously, he worked at Umpqua Bank and CoreLogic.

Steven holds both an MBA and BS in Computer Science from Portland State University.

Lou Altobelli
Chief Sales Officer

Lou Altobelli has more than 37-years of dedicated and progressive experience in sales and sales leadership roles with leading industry lenders including GE Capital, American Express Business Finance, US Bank, CIT, and Siemens Financial Services. Lou has held positions such as Director of Sales & Business Development, Vice President of Sales-Healthcare Finance, National Sales Manager-Medical, and Director Strategic Alliances. He is comfortable in highly competitive selling situations with the ability to develop long term client relationships with strong marketing, sales, underwriting, operations, and negotiation skills.

Lou has the ability to work closely with other cross functional leaders in an effort to drive business goals while exceeding customer expectations. He is familiar with financial reporting, accounting, credit underwriting, collections, proposal writing and presentations, and post-sale follow-up. Lou has a successful background in vendor program management, relationship building, business development, sales, and sales management within the financial services industry targeting small to mid-market transactions. He is a results-oriented leader, with a solid background in mentoring, motivating, and managing sales teams.

Lou graduated from Northern Illinois University with a B.S. in Business Management. Lou has been married for 33-years and has 4 children and 2 grandchildren. Lou is also a former youth travel baseball coach and youth football coach.

Jeff Rathjen
SVP, Sales Manager for Vendor/Working Capital

Jeff is responsible for managing the vendor business development efforts including, onboarding new vendor programs, vendor program management, recruiting sales and account management talent, and collaborating with other members of senior management on the strategic direction for the vendor business.

Jeff is a 28-year veteran of the commercial equipment financing industry with extensive experience launching and managing large, well performing vendor programs – primarily in the Healthcare and Fitness industries. He started his career as a credit analyst at Norwest Financial Leasing (now Wells Fargo) and within 2-years moved into a sales role.

After a successful run in sales with Norwest along with two other independent leasing companies, he accepted a position as Vice President of Operations with Western Equipment Finance and helped grow the portfolio from $30 million in originations to just over $100 million in 5-years. Upon moving back to his home state of Iowa, he worked for VGM Financial, which was acquired by TCF Equipment Finance in 2004. He accelerated TCFEF’s entry into the healthcare market and increased that portfolio from $5 million to over $200 million from 2005-2012, primarily by establishing national programs with two major manufacturers.

He graduated with Liberal Arts major and Business minor from the University of Iowa. In his spare time, Jeff enjoys golfing, boating, snow skiing and vacationing with family.  He also is an avid Iowa Hawkeye sports fan.

John Sandoval
SVP, Sales Manager for Direct Originations

JOHN SANDOVAL is Senior Vice President of Sales for Dext Capital’s Direct Sales initiatives based out of Los Angeles. John is responsible for building Dext’s sales efforts to end-user clients and promoting channels to achieve these efforts. He is also responsible for expanding Dext into non-healthcare markets.   John proudly manages the direct sales team and is a part of the Dext senior sales management team.

John’s twenty-nine-year career has been focused on starting, growing, supporting, and developing organizations. Dext is his fifth involvement in contributing to a rapidly growing organization. John has served in a general manager role as well as managing the sales process. He has helped develop business concepts and enjoys all facets of the business. John has worked for several commercial banks (City National, Bank of the West, Wells Fargo) and also served as the COO and CFO of two private companies (First Financial Equipment Leasing, CHG-MERIDIAN).

He has spent most of his career in some facet of equipment financing, including Fortune 1000 and middle-market financing, asset securitization, credit underwriting, tax-advantaged leasing, aircraft finance, international finance, green equipment financing, and most recently—information, healthcare, and distribution technology leasing. He has worked for commercial finance companies and has banked them. John enjoys working on complex projects and has experience working abroad, but is enriched when he knows he has helped and added value in some way to customers or colleagues. He finds his most rewarding experiences are working and developing personal relationships with teammates, clients, key partners, and stakeholders.


John is a proud alumnus of both the University of Colorado (B.S.—Finance; minor—Economics), and the University of Southern California (M.B.A.—focus on Marketing and Entrepreneurship). He has been involved in the community, where he has served on non-profit boards to promote literacy, economic development, and education. He has served as chairperson on a joint city and school district council and is passionate about the environment. He is most proud to be a father of two teenagers, a friend, a surfer, a tree-hugging nature lover, and an endurance athlete (when he can…).

Ralph Tomei
SVP, Sales Manager for Tech Vendors

Ralph Tomei is Senior Vice President for Dext Capital’s Technology Vendor Channel.  Ralph is responsible for leading the business development and sales efforts, focused on onboarding, and cultivating new vendor partnerships in the technology segment, while also collaborating with other members of the Dext senior leadership team.

Ralph joins Dext Capital as a 27-year veteran of the equipment finance industry, with extensive experience and expertise building and managing tailored vendor programs.  Prior to joining Dext, he was Senior Vice President of the Commercial Vendor Group at Key Equipment Finance, where he led a team of sales personnel responsible for developing and growing strategic national vendor programs.  In addition, he has held sales leadership, program management and sales roles for KEF, HP Financial Services, GE Capital, and Textron Financial Corporation.

Jason Wise
SVP, Sales Manager for Specialty

Jason is responsible for managing Dext’s Specialty Healthcare team, including recruiting to acquire and expand sales talent while collaborating with the management team to grow and enhance Dext’s competitive edge through both vendor and nationwide direct sales efforts in the aesthetic and medical wellness space.

Jason is a 20-year veteran and leader in the healthcare/aesthetic financing space. Before joining Dext, he was a top producer, team leader, and Senior VP of Sales for Ascentium Capital, Sterling National Bank, and GE Capital Healthcare Finance. Jason has been focused mainly on vendor driven-oriented business throughout his career. While at Ascentium Capital, Jason grew his team from 19 Million Dollars a year in originations in 2012 to well over 100 Million by 2016.

He has an undergraduate degree from the University of North Carolina at Charlotte in Business. Jason is happily married with two kids. He enjoys attending and supporting his church, landscaping,  Alabama football, and most importantly, spending time with his family during his free time.

Kristina Kinyon
SVP, Credit Manager for Mid/Large Ticket

Kristina will focus her efforts on underwriting credit requests and providing solutions for the equipment financing needs of healthcare providers. Kristina has more than 20 years of progressively responsible commercial finance experience focusing on underwriting and portfolio management as well as loan and lease structuring and documentation.

Before joining Dext in December 2018, she served as the Assistant Vice President, Senior Credit Analyst for Umpqua Bank/Financial Pacific Leasing, where she was responsible for underwriting and managing the most complex credits, including large ticket and application only transactions across multiple business channels which included Direct, Vendor, Broker, and Capital Markets. Additionally, Kristina spent several years at US Bank Equipment Finance implementing, underwriting, and monitoring vendor programs. Prior to that she held various credit positions with Textron Financial Corporation including asset-based lending, factoring and equipment underwriting, portfolio management and documentation.

Kristina is a graduate of Gonzaga University where she majored in Finance.

Lynda Wilson
SVP, Director of Operations

Lynda is responsible for managing Dext Capital’s Application Administration Department which encompasses the application, documentation, and funding processes.

With over 30-years in the in the equipment finance and leasing industry, Lynda has a broad and deep knowledge of the business. Prior to joining Dext, Lynda spent the past ten years at Bank of the West as Vice President & Operations Manager for the Equipment Finance Division’s Third-Party Servicing business. While at Bank of the West, Lynda was responsible for the oversight and leadership of all back-office operations and managed a portfolio in excess of $2 billion. Lynda has also held operational leadership positions at Portfolio Financial Servicing Company and US Bank Equipment Finance.

Lynda attended Boise State University. She enjoys spending time with her family in her free time. She especially enjoys attending her grandchildren’s various activities.

Conrad Nilsen
SVP – Finance

Conrad serves as the head of finance for Dext Capital, overseeing corporate finance and capital markets functions. He manages the company’s liquidity strategy and determines the optimal use of multiple credit facilities, including asset-backed warehouses. Conrad also leads Dext Capital’s go-to-market strategy for its recurring securitization transactions. He most enjoys building relationships with Dext’s investors and finding scalable ways to address the needs of a successful, high-growth financial services company. With a background in corporate finance, capital markets, and data systems, Conrad led highly effective and dynamic finance teams at multiple companies in the direct-to-consumer space before joining Dext.

Conrad is a graduate of Gonzaga University, where he majored in Finance. In his free time, he enjoys bouldering and travelling with his wife, Morgan.

Andrew Hilsenkopf
Senior Accounting Manager

Andy is responsible for managing Dext’s Accounting Department, where he plays a pivotal role ensure the accurate recording, reporting, and management of the company’s finances. Andy was previously an auditor for seven years at Moss Adams where he audited financial institutions and other lending companies.  Andy was an Accounting Manager at IDX, a Zerofox company, for a year and half where he played a key role in the SPAC offering and sale of IDX to Zero. Also, Andy managed revenue while at the Company.

Andy is graduate of Gonzaga University, where he majored in Accounting and Finance. In his free time, he enjoys playing pickleball and spending time with family and friends.

Danielle Shields
HR Director

Danielle is responsible for leading and overseeing all aspects of HR functions, providing strategic direction and guidance to ensure alignment with organizational goals and objectives. Her responsibilities include managing payroll, compensation, and benefits programs, as well as developing and implementing HR policies, procedures, and programs to promote a positive work environment. Danielle also drives talent acquisition efforts, managing the full employee lifecycle, from recruitment and onboarding to performance management as well as providing guidance and support to managers and employees on HR-related matters.

Danielle holds a Bachelor of Science in Exercise and Sport Science, Pre-Therapy & Allied Health from Oregon State University and a Professional In Human Resources Certification (PHR) from HRCI.

In her free time, Danielle enjoys, traveling with their husband, water skiing & surfing, and spending time with friends and family.

Tina Nielsen
Contracts Manager

Tina has over 20 years’ experience in the finance world. She is responsible for the day to day oversight of the Contract Accounting Team.

Katie Riggs
Corporate Counsel

Katie is responsible for managing Dext’s Legal Department, where she plays a pivotal role in ensuring legal compliance, managing risks, and supporting the company’s business objectives. Her multifaceted duties encompass regulatory compliance, contract negotiation, risk assessment, litigation management, and providing legal guidance on various matters.

Katie brings a wealth of legal expertise to Dext, having previously served as an Attorney at Aspen Capital, where she managed diverse responsibilities within the private equity bank and its associated mortgage servicing company. Her tenure involved advising on regulatory compliance, overseeing defensive litigation, and managing all legal facets of marketing and selling real estate-owned properties. Katie also worked as an attorney at Aldridge Pite LLC, representing financial institutions in litigation related to mortgage defaults and real estate matters.

Katie holds a Juris Doctorate from Lewis & Clark Law School and a Bachelor of Arts and Science in Mathematics and Economics from Western Washington University. Outside of her professional endeavors, she finds solace in the great outdoors, indulging in skiing adventures during the winter and camping escapades amidst the long summer days of Portland. Katie cherishes quality time spent with her family, exploring the diverse landscapes of the Pacific Northwest.

Ben Shoaf
VP – Specialty Finance
Nick Rindahl
Fintech Product Manager
Kim Tieu
Credit Manager for Small Ticket
Shayan Adl
Sr. Relationship Manager
Ashley Evans
Marketing Manager
Tessa Menees
Project Management Administrator
Jesse Petersen
Senior Credit Analyst
David Lemar
Account Manager
Kyler Nunan
Help Desk Technician I
Ilona Osherov
Collections Associate
Victoria Lizzi
Contract Admin Associate
Michelle Lucey
Accountant II
Hailee Van Noy
Collections Associate
Madison Brown
Contract Admin Associate
Nate Robinett
Accountant II
Denise Bernard
Collections Associate
DART Brand Ambassador
Abby Norman
Associate Credit Analyst
Brooks Bocko
Financial Analyst
Luke Harter
Associate Credit Analyst
Kevin Roth
Contract Admin Associate
Michael Burke
Account Manager
Austin Namdar
Credit Analyst
Michelle MacCalman
Contracts Administrator
Jeremy Kitt
Senior Marketing Associate
Lief Cain
Sales Force Developer
Carmen Humphrey
Associate Accountant
Evan Parrish
Credit Analyst
Ryan Pearson
Sr. Sales Representative
Rhees Carlson
Contract Admin Associate
Tucker Kaus
Contract Admin Associate
Jeramy Dichiera
Salesforce Developer
Orlando Garcia
Asset Management Rep