Chris Clifford has joined Encina Business Credit as its chief operations officer.

Clifford, who will work at EBC’s headquarters in Chicago, is a 30-year veteran of the asset-based finance industry, having worked most recently at U.S. Bank where he was an operations executive.

Before U.S. Bank, he worked at RSM McGladrey and LaSalle Business Credit, having held roles of increasing responsibility in auditing, risk management, portfolio management and originations.