Banking & Financial Services Consulting: Clear Answers. Confident Action. Regulatory Peace of Mind.

At Pivot, we partner with financial institutions to assess, protect, and optimize their loan portfolios.

Deep Capability. Direct Action.

When operational complexity increases—or when internal teams are pulled in too many directions—strategy can stall, execution slows, and critical assets face greater exposure.

That’s where we come in. Pivot works alongside your institution’s special assets team as a force multiplier.  Pivot aligns strategy with execution—protecting interests, reducing complexity, and acting with urgency. 

Our support is tailored across a range of high-impact services, including:

Built for Institutions Large and Small

Money Center Banks

We bring independent, third-party insight that enhances internal capabilities. Our team delivers clarity, discretion, and swift execution—while maintaining momentum and meeting compliance expectations.

Community Banks

We serve as an experienced, outsourced special assets team. Our support fills critical gaps when internal bandwidth is limited and provides early visibility into emerging risks—before they impact the balance sheet or draw regulatory scrutiny.

When Uncertainty Takes Hold

Pressure builds when the security of credit positions feel unclear, when performance signals shift, or when regulatory scrutiny sharpens. Internal teams may be stretched, and the answers needed aren’t always obvious—or available.

These are the moments that call for decisive insight and fast action:

Meet our Banking Services Team Leads

Kathy Lonowski

Managing Director

Kathy delivers a rare combination of regulatory insight, governance expertise, and strategic execution—helping clients navigate complex challenges, strengthen compliance, and seize emerging opportunities in the rapidly evolving financial sector.

Kathy Lonowski

Seth Wellisch

Managing Director
With over two decades of experience in debt and equity transaction management, Seth brings sharp insight into asset valuation, strategic planning, and execution.

Our Story

Pivot > originated from a conversation between friends, Lance Miller and Peter Elkin, both veterans of restructuring and turnaround industries, and former company leaders. Frustrated with the traditional advisory firm model, they sought a better approach centered on client interests and results. Over dinner, they envisioned a best-in-class value proposition, which eventually became Pivot >, attracting like-minded individuals who shared their mission and industry distinctions.

Our core principles include delivering bespoke solutions tailored to each situation, prioritizing long-term client relationships over fees, and fostering the growth and well-being of our employees. Unlike many firms in the industry, we operate under a shared compensation model, ensuring everyone is invested in our clients’ success. As we continue to grow, we remain committed to providing exceptional service and building lasting relationships with our clients.

– Co-Founders Lance Miller & Peter Elkin