Gale Davis Email and Phone Number

- Conduct operational and compliance audits consistent with the standards established by Institute of Internal Audit. - Perform audits of bank functions including accounting and financial reporting, deposit, branch operations, retail banking, wire transfer, lending, investment and human resource administrations. - Conduct regulatory compliance reviews, internal audits, loan reviews and credit administration, risk assessments and collateral audits. - Develop audit programs to ensure the technical competency. - Independently evaluate the efficiency of the internal system of controls, identify operational and procedural deficiencies and risks, advise and assist management in process development to improve efficiencies - Prepare written reports detailing the adequacy of the policies and procedures for presentation to management and Board of Directors - Responsible for scheduling and planning audits for community banks and international banks - Responsible for training senior and staff associate - Manage client relations

- Conduct field examinations for Banks within the Maryland, Virginia, and Washington, DC area. Customer base includes Government Contractors and Commercial clients. - Evaluate accounts receivable, accounts payable, collections, and inventory. - Evaluate customer’s financial condition by analyzing and studying internal reports, and related financial documents. - Evaluate government contracts - Evaluate collateral values and provide detail reports to the loan officers and bank management.

- Performed semi-annual collateral field audits on approximately 25 current and prospective commercial asset based clients. - Evaluated customer’s financial condition by analyzing and studying internal reports, and related financial documents. - Evaluated collateral, establish collateral values, ineligibles, and advance rates. - Analysis transactions and documentation related to accounts receivable billings, collections, accounts payable, and inventory. - Reviewed government contracts. - Presented detailed reports to loan officers