 Responsibilities include reviewing applications for a wide variety of bank holding company (BHC) and state member bank (SMB) filings. These include change in control, mergers, BHC formations, branching and other expansionary activities, memberships, bank/BHC acquisitions, and management changes in problem institutions. When reviewing applications, my primary responsibility is to assess the banking organization’s financial condition, management, competitive factors, compliance with laws… Show more  Responsibilities include reviewing applications for a wide variety of bank holding company (BHC) and state member bank (SMB) filings. These include change in control, mergers, BHC formations, branching and other expansionary activities, memberships, bank/BHC acquisitions, and management changes in problem institutions. When reviewing applications, my primary responsibility is to assess the banking organization’s financial condition, management, competitive factors, compliance with laws and regulations, and the ongoing viability of the organization.  Communicate with bankers, consultants/attorneys, federal and state regulatory agencies, and Board of Governors legal and applications staff in resolving issues and obtaining information related to regulatory filings; Show less

 Responsibilities included reviewing applications for new bank charters, conversions, mergers, fiduciary powers, operating subsidiaries, and changes in capital, and made recommendations to management for decisions. Represented the OCC at meetings with applicants, bankers, other regulators, and members of banking groups. Developed a working knowledge of corporate procedures, and related laws and regulations.

 Extensive experience as field examiner of banks of various sizes and complexities. Served as examiner-in-charge in numerous banks, including problem institutions. Developed knowledge in the specialty areas of capital markets, compliance, retail lending, merchant processing, and bank information systems. Participated in a wide range of training sessions at the District and National levels. Served as training team leader for a team of new examiners and often performed on-the-job… Show more  Extensive experience as field examiner of banks of various sizes and complexities. Served as examiner-in-charge in numerous banks, including problem institutions. Developed knowledge in the specialty areas of capital markets, compliance, retail lending, merchant processing, and bank information systems. Participated in a wide range of training sessions at the District and National levels. Served as training team leader for a team of new examiners and often performed on-the-job training to less experienced examiners. Show less