Craig A. Colclough is a banking professional from London, England specializing in credit and operational risk assessment including Basel II. Mr. Colclough has been in the risk assessment and consulting field for over 15 years. He began his career working for collection agencies and consulting firms in Europe with global reach, but left the collection field in 2000 to work as a credit risk manager both as an employee and later as a self-employed contractor. Craig A. Colclough was educated at the Institute of Credit Management in the UK, and he is a current member of the Global Association of Risk Professionals. He has worked for numerous banks throughout Europe, performing risk analysis and helping them improve their credit scoring and risk parameters. While contracting for Skipton BS and Baseline Capital Ltd., Craig Colclough was responsible for designing and developing the first LGD mortgage model the United Kingdom approved by the FSA. In addition to his career, Craig A. Colclough devotes much of his time to physical and spiritual growth with the assistance both of friends and professionals. Mr. Colclough has become a fitness enthusiast who enjoys running, gym workouts, and long distance self-sustained expeditions. Mr. Colclough has also returned to tertiary education in 2008 to continue his academic growth, currently working on his MSc in Risk Management at Portsmouth under Dr John Daly.