C-LEVEL EXECUTIVE - BANKING - CREDIT - RISK MANAGEMENT
Value Promise
Top level bank executive with progressive career spanning over 30 years. Oriented toward achieving value-added results while raising the performance bar and challenging others to stretch and grow professionally. Consistent track record of building and managing strong, diverse teams of professionals and division managers and envisioning and implementing performance-improving initiatives that deliver higher profits, increase productivity, and enhance organizational capabilities.
Pivotal Strengths
-Bias for Action
-Collaboration Skills
-Continual Learning
-Corporate Governance
-Decision Making
-Execution
-Flexibility
-Integrity/Ethics
-Leadership
-M&A Due Diligence
-P&L Accountability
-Policy Development
-Regulatory Affairs
-Risk and Control
-Strategic Planning
Challenges, Actions and Impact
-Pioneered and championed Enterprise Risk Management Program that broadened focus and perspective on risk throughout company and boosted overall organizational performance in terms of profitability, growth, opportunity assessment, and quality.
-Introduced pricing modeling and strategies that contributed to bank achieving 10th highest growth rate in state for Net Interest Margin.
-Revitalized bank's Special Assets/Recovery/OREO Department and orchestrated strategies that led to over a 60% reduction in delinquent and problem loans and credit losses and improved bank's rating.
-Engineered productivity, efficiency, and pricing gains that assisted in catapulting bank to 7th most profitable community bank in U.S.
-Transformed bank's risk management capabilities by conceptualizing and putting into place integrated analytics, portfolio management, and loan loss allowance program heralded as State of the Art by CEO and praised by banking regulators.
Professional Experience
Community Bank Located in Southeast U.S. 2012-present
Executive Vice President/Chief Risk Officer and Chief Credit Officer (2012-present)
Executive Vice President/Chief Credit Officer (2012)
--- has vision, understands the strategic direction needed for the organization, and provides outstanding leadership and oversight. Under his management, the company's performance and rating have improved .
Bank CEO
Joined organization as its first Chief Credit Officer to re-tool the company's primary revenue and earnings generating platform. Forged and implemented infrastructure changes and initiatives that dramatically improved overall performance. As a result of impact in Chief Credit Officer role, subsequently asked to also take on additional role of Chief Risk Officer and tasked with building Enterprise Risk Management framework and capabilities.
Responsible for the strategic direction and oversight of all risk management initiatives and credit activity and interfacing with federal and state banking regulators. Chair of Risk Management Committee and Officer Loan Committee, and member of Special Assets, Compliance, Profit Planning, IT Steering, and Asset/Liability Management Committees.
Bank Management Consulting Company Located in Southeast U.S. 2010-2012
Principal/Managing Consultant
--- is an absolutely top notch Chief Credit Officer - the best I have ever encountered .
Principal, Competitor Consulting Firm
Launched management consulting firm to serve banks in the community banking sector and provide needed expertise that many could not otherwise afford to maintain in-house. Managed client acquisition, retention, and delivery of management consulting services to clients. Led consulting engagements dealing with all aspects of risk management, safety and soundness, performance optimization, and regulatory matters. Reputation for delivering thorough, value-added project outcomes resulted in frequently being asked to partner with other consulting firms to assist them with engagements with their own clients. Success in this capacity ultimately led to accepting offer to join major client in senior executive capacity.
Community Bank Located in Southeast U.S. 1996-2010
Executive Vice President/Chief Credit Officer (2003-2010)
Senior Vice President/Senior Credit Officer (1997-2003)
Vice President/Credit Officer (1996-1997)
---'s contribution to the organization is immeasurable. His accomplishments are too numerous to list. ---has shored up our portfolio in a substantial way through his management. He is a critical member of our team, and he is performing at a top level .
Bank CEO
Recruited to join organization and build necessary functionality to drive main revenue and earnings generating activities of company. Built infrastructure that facilitated bank growing from less than $70 Million to nearly $1 Billion through organic means as well as strategic acquisitions.
Directed all policy, strategy, analytics, and risk management functions for organization's commercial credit and collection/workout activities. Provided transaction approval, advice, guidance, and training to bank's lending group. Member of multiple committees responsible for managing bank, including Loan Committee, Executive Management Committee, Special Assets Committee, and Asset/Liability Management Committee. Liaison with bank regulators and principal advisor to CEO and Board on all matters related to risk, asset quality, and portfolio performance.
Earlier professional experience includes sales/client-facing roles, revenue generating roles, and risk management roles with multi-billion regional banks and Fortune 200 corporations. 1985-1996
Education (all completed nights and weekends while working full time)
M.B.A., Business Administration
B.S., Magna Cum Laude, Management
A.S., With Highest Honors, Business Management
Professional Certifications and Affiliations
-Chartered Financial Analyst, Chartered Financial Analysts Institute
-Credit Risk Certified, Risk Management Association
-Certified Risk and Compliance Management Professional (Current Candidate), International Association of Risk and Compliance Professionals
-Member, Global Association of Risk Professionals
-Member, Professional Risk Managers International Association |
