Emmanuel Lerma Email & Phone Number

I am a commissioned Financial Examiner by Texas Department of Banking, I bring nine years of experience in the regulation, examination, and analysis of financial institutions. I have a strong track record of interpreting and applying regulatory policies, procedures, laws, and regulations, as well as analyzing areas of concern and personnel needs for upcoming examinations.I have acted as an examiner-in-charge of community financial institutions without supervision of various complexities, and I have participated in the examination of large, complex and regional institutions. I possess strong written and oral communication skills, which I have used to prepare written comments and conclusions of all CAMELS component areas when acting as the examiner-in-charge, as well as to communicate examination findings to senior bank management and Board of Directors through oral presentations.In addition, I am skilled in compiling and analyzing data, formulating conclusions, conducting financial and credit analysis, and completing assigned tasks in a thorough and timely manner. I have experience in conducting reviews of examination reports, providing supervision, training, and evaluation of other examiners, and conducting credit review and analysis involving larger, more complex credit relationships.I hold a degree in finance from an accredited four-year college or university, with major coursework in accounting and finance.