Identify, negotiate and value control investments in community banks, primarily in Southeast. Negotiated with Boards and Ownership and Department of Treasury and other P/E firms on TARP and TRUPs securities as well as stalking horse bidder in 363 bankruptcy filing. Manage and executed valuation and due diligence process including working with various regulatory agencies on financial and turnaround strategies. In most cases, installed as Executive Board Chair and various Committees to aid in turnaround. Each Bank successful in exiting formal and informal regulatory action and returned to profitability. Evaluations included whole bank and branch acquisitions and AOCI valuation impact.Developed and deliver curriculum on banking fundamentals to aid fintech's marketing and sales efforts.

Teach Micro Economics/International Finance/Core Finance/Advanced Statement Analysis and Project and Firm Valuation/Short Term Working Capital Mgmt.

Owns and operates multiple skilled and assisted living facilities in Tennessee and Wisconsin

Logistics

CDFI

*Evaluated and recommended strategic plans and tactical responses for over 100 client FIs.*Work with Board and Executive Mgmts teams to improve performance.*Led and facilitated multiple on site Board and Executive Management strategic and profit improvement plans.*Routine topics include branch closure/acquisition, M&A, loan/deposit pricing, client acquisition, net interest and non interest margin management. Frequent speaker and author on above topics.*Developed and taught internal banking, business and economic curriculum and coached (including C Suite) on call plans and strategies.*Main stage and break out speaker/facilitator.

Advised P/E, Bank and HC Recapitalization of this Consent Order Bank and HC. Organized and executed due diligence and pricing. Paid off Tarp Securities at discount held by Hedge Funds and installed as Executive Board Chair of this turnaround. Consent Order lifted. ROE improved from -30.18% to 11.51% and Texas Ratio from 100% to 14% during term.

Advised PE on the Banks recapitalization and joined Board of the Bank as Chairman in Consent Order and participated in turnaround efforts. Bank improved from significant losses to 1.40 A/T ROA while risk profile dramatically reduced.

300+ bed hospital serving Southeast TN. Worked with during consolidation and acquisition.

Evaluated and recommended strategic plans and tactical responses for over 100 client FIs.*Work with Board and Executive Mgmts teams to improve performance.*Led and facilitated multiple on site and virtual Board and Executive Management strategic and profit improvement plans.*Routine topics include branch closure/acquisition, M&A, loan/deposit pricing, client acquisition, net interest and non interest margin management. Frequent speaker and author on above topics.*Main stage and break out speaker/facilitator.

Executive during conversion process. Responsible for mapping and converting to BBT platform and overall performance during conversion period.

*Responsible for day to day management and profitability of the Bank/Company and the related reporting to the Board of Directors, Executive Committee and various regulatory bodies.*Responsible for prioritizing and executing business initiatives that maximize the Bank’s franchise value including evaluating businesses related to banking such as finance, insurance, and brokerage.*Experienced in developing and executing the Company’s strategic and tactical plans.*2001-2005 Bank SCorp ROA were: 1.77%, 2.00%, 2.01%, 2.31%, and 2.65%, respectively.*2001-2005 Bank SCorp ROE were: 22.7%, 25.8%, 26.4%, 29.7%, and 33.5%, respectively.*2003-2005 UBPR Bank Performance ranks in the 90th, 95th and 96th percentile, respectively.*BBT Merger Multiples: 17.3 P/E, 3.4x Book, 21.1% to Assets, 22.5% Premium to Core Dep.*Specific experiences/accomplishments include: 1) evaluated and restructured of the Bank’s core technology-platform processes, 2) restructured the credit approval/loan review processes that led to the substantial reduction of NPAs, 3) reorganized Company from a C to S Corporation, 4) restructured the Company’s KSOP and bonus plans, 5) negotiated and executed the Company merger with BB&T, 6) evaluated and executed the rollout of: a) cash management products, b) internet banking, c) insurance services, d) investment services, and e) a variety of other retail and commercial products and services.

Director of this three bank Holding Company. Sold to BBT in 2007 at below multiples:*BBT Merger Multiples: 17.3 P/E, 3.4x Book, 21.1% to Assets, 22.5% Premium to Core Dep.*2001-2005 Bank SCorp ROA were: 1.77%, 2.00%, 2.01%, 2.31%, and 2.65%, respectively.*2001-2005 Bank SCorp ROE were: 22.7%, 25.8%, 26.4%, 29.7%, and 33.5%, respectively.*2003-2005 UBPR Bank Performance ranks in the 90th, 95th and 96th percentile, respectively.

Senior Corporate Banker*Team Leader/Senior Corporate Banker for Mississippi, Arkansas, Tennessee, and Florida.*Portfolio ranged from companies with $10MM to $80B in annual revenues with credit exposure under management approximating $750MM, managed the largest client in the Bank. Clients included Wal Mart, Pilot Oil, Dollar General, Clayton Homes, Cracker Barrel among others.*Experienced in managing all aspects of corporate banking including marketing and underwriting short, medium, and long-term financing, syndications, interest rate derivatives/SWAPs, private placements, tax-exempt financing, international needs, corporate cash management and trust.

Responsible for risk grading loans and evaluating appropriateness and compliance with various internal controls.