Foxborough, MA. Andy is a financial consultant, specializing in social enterprise, cooperatives, alt energy and affordable housing. He has almost 40 years of diverse experience in real estate, lending, finance, M&A, and IT. He was founding Director of the Cooperative Development Institute’s NEROC Program, which assists manufactured housing cooperatives in the purchase and operation of their communities. He is co-founder and Managing Director of Circinus Group, which is a portfolio social lender and commercial conduit and provides financial and systemic consulting services to the international residential finance community. During his career, he has been an executive of two public companies, worked with 12 of the 20 largest US banks and Wall Street brokerages, served as a Liquidating Officer of the FDIC, and has assisted local lenders, government agencies, Indian tribes and regional non-profits. Internationally, he has worked on projects in Canada, Australia, the UK, and in several South Asian countries.