More than 40 years’ experience in executive lending and credit roles in commercial banks and financial services consulting organizations.
Competencies include bank governance, commercial credit underwriting, real estate financing, collections, loan workouts, regulatory response, credit review and examination, due diligence, consent orders, lender liability, breach of good faith, wrongful defaults, control and interference, and duress and coercion.
More than 25 years in four mid-sized regional and community banks, serving in senior and executive management roles including Chief Credit Officer and Chief Lending Officer, as well as 15+ years in financial institution managing consultant roles that include major organizations: EDS, Deloitte, and Computer Sciences Corporation.
Extensive interaction in matters relating to director responsibilities in lending and credit extension, monitoring, and collection; development of enhanced written credit policy statements; regulatory examination and interface; troubled asset negotiation and disposition; credit review activities (formation, maintenance, allowance, migration analysis, and stress testing); development and management of functional duties within commercial middle market, commercial real estate, residential construction, small business, consumer, single-family mortgage, bulk purchase, loan servicing, credit analysis and loan operations units; and professional training and development of lending and credit personnel.
On the faculty of the Risk Management Association for more than 35 years, leading up to ten seminars on several different lending and credit topics, and speak nationally to industry trade groups and regulatory audiences.