I started my career as a file clerk at the Federal Reserve Bank, worked my way through college, and was promoted accordingly. In 2003 I obtained my Bank Examiner Commission. Since those days I have worked in loan review at two large banks in the Kansas City area and lead the loan review department at a $14B institution. In 2009 I worked for a $1B bank that was placed under a Formal Written Agreement (FWA) three months after my start date. Within another two months I was promoted and became fully responsible for compliance of the FWA. The FWA was almost solely credit administration and credit quality driven. Upon satisfaction of the requirements of the FWA I made the decision to become self- employed and sought positions as an External Bank Consultant (since January 2012).

My specialties are external loan review, credit administration, enforcement action compliance, and appraisal review. Special projects as needed. During my twelve years as a consultant, I have assisted one bank with a large special project that kept them from formal enforcement action and helped them avoid civil money penalties. A second bank I assisted with obtaining compliance with an enforcement action they had been under for four years. Subsequently their action was lifted. My most recent enforcement action experience was with an institution in Oklahoma that was under a Consent Order that nearly caused the bank to be dissolved. Not only did that bank not dissolve, it is now a perfectly
functioning institution with strong credit administration, operations, and policies in place.

Currently, I work with dozens of banks by doing loan reviews, enforcement action compliance, appraisal reviews, allowance for loan and lease loss calculations (now CECL also), drafting policies, ad hoc projects, and general bank guidance.