PROFESSIONAL EXPERIENCE
MILLENNIUM BANK – Ooltewah, TN
Chief Risk Officer (Executive Vice President) & ISO | September 2020 – February 2026
- Built and implemented a comprehensive Enterprise-Wide Risk Management program from scratch with the framework built around a new EWRM Policy and risk appetite statement. At the last FDIC examination, the program received positive recognition.
- Established a risk assessment matrix format for twenty-nine different risk domains specific to the bank to score inherent risk, residual risk, and internal control effectiveness.
- Consolidated full scope risk assessments into one heat map and delivered quarterly reporting with narrative trend analysis and Key Risk Indicators (KRI’s) monitoring to support strategic decision making.
- Developed and maintained the internal audit plan in conjunction with the Audit Committee; tracked audit exceptions, validated corrective actions, and regularly updated policies to ensure regulatory, compliance, and risk mitigation.
- Presented complex risk issues, emerging threats, and training sessions to the Board of Directors, strengthening oversight and risk culture.
- Served as lead coordinator for all regulatory communications, examinations, and supervisory discussions, ensuring transparency, preparedness, and strong regulatory relationships.
FEDERAL DEPOSIT INSURANCE CORPORATION – Knoxville & Nashville, TN
Division of Risk Management Supervision (RMS)
Commissioned Risk Examiner (CG 1160 12) | August 2015 – August 2020
Mid Career Examiner (CG 1160 11) | August 2013 – August 2015
- Led safety-and-soundness examinations for community and regional institutions, providing supervisory oversight and directed examination teams. Served as Examiner in Charge over three banks with formal administrative actions and one large institution examination (>$1B in assets).
- Assigned CAMELS component ratings, prepared Reports of Examination, and led exit and board meetings to communicate findings and corrective expectations.
- Led a targeted ALM review for a complex $20 billion institution, evaluating liquidity, interest rate risk, and balance sheet management practices.
Loan Review Specialist (CG 1160 11) | August 2010 – August 2015
- Reviewed and classified loan relationships during risk management examinations for state non member banks including CRE, ADC, C&I, SBA, and asset-based lending.
- Evaluated risk-ratings through financial and cash flow analysis, capital resources, and collateral to assess borrower performance and overall credit quality.
- Reviewed underwriting, credit administration, and loan documentation for technical exceptions and adherence to policy.
- Conducted extensive ACL/CECL methodology reviews, including impairment testing, non accrual analysis, TDR evaluation, and internal classification validation.
- Analyzed relationships up to $50 million, with typical exposures around $1 million.
CORNERSTONE COMMUNITY BANK – Chattanooga, TN
Special Assets Officer | December 2009 – August 2010
Vice President & Relationship Manager | April 2007 – December 2009
- Managed a $10 million troubled asset portfolio, including bankruptcies, foreclosures, and collections.
- Oversaw asset based lending and factoring operations for a $4 million receivables portfolio.
- Performed credit underwriting, cash flow analysis, and collateral monitoring for commercial loans.
SCENIC CITY SUPPLIERS – Chattanooga, TN
Entrepreneur / Owner | October 2000 – April 2007
- Founded and operated a wholesale franchise business with annual sales exceeding $1.5 million.
- Successfully sold the business at a profit.
FIRST TENNESSEE BANK NATIONAL ASSOCIATION – Chattanooga, TN
Vice President | April 1997 – September 2000
- Developed and managed middle market commercial loan and cash management relationships.
- Conducted cash flow analysis, covenant monitoring, and loan documentation review.
FUJI BANK, LTD. – Atlanta, GA
Vice President | April 1996 – March 1997
Assistant Vice President | May 1991 – April 1996
Credit Analyst | May 1990 – May 1991
- Managed Fortune 500 banking relationships in the Southeast, overseeing $1 billion in commitments.
- Participated in syndicated loan facilities and marketed swap and derivative products.
- Evaluated creditworthiness of prospective and existing clients, performed cash flow analysis, negotiated loan documentation, and monitored covenant compliance.
NATIONAL COOPERATIVE BANK – Washington, D.C.
Loan Review Officer | November 1988 – May 1990
- Conducted ongoing review of a $250 million middle market portfolio for credit quality, documentation exceptions, policy compliance, and risk-rating accuracy.
- Recommended loan loss reserve provisions through quarterly risk rating analysis.
GEORGIA DEPARTMENT OF BANKING AND FINANCE – Atlanta, GA
Examiner | April 1988 – November 1988
Senior Assistant Examiner | April 1986 – April 1988
Assistant Examiner | April 1985 – April 1986
- Analyzed CAMEL components and assigned ratings to determine overall financial institution condition.
- Coordinated examination teams of four to six examiners.
- Conducted board meetings to present examination findings.
