Timothy L. Morris Email & Phone Number

Texas, United States

Chief Risk Officer and interim Chief Financial Officer of Global One Bank , Global One Bank (formerly known as Chappell Hill Bank)

Chappell Hill, Texas

Bank Assets $60 Million. Asset Growth 25%-35% annually for the past 4.5 Years. Chief Operating Officer. CFO, CIO. CRO. BSA Officer. Strategic Management. Risk Management. Oversight of operations, financial management and reporting, bank investments, regulatory liaison, asset liability management, policy development, call reports. Serve on Directors Loan Committee. BSA Officer, Compliance Officer, Senior Auditor, HR Manager.

San Antonio, Texas

EVP & Chief Risk Officer ($450 million assets)Hired to develop and implement an effective Risk Management Group to lead the bank out from a regulatory corrective action order. Reported to the Chairman of the Board, Audit Committee, and the Board of Directors. Directed Enterprise Risk Management framework addressing credit, market, compliance and operational risk. Served as regulatory liaison.•Implemented compliant risk management operations during the first year, improving bank standing with regulatory supervisors, while remediating Asset Quality issues. Formal and informal orders were terminated within 24 months.•Oversaw internal and external audits, internal controls, loan reviews, consumer compliance, IT, and Bank Secrecy Act (BSA)/Anti Money Laundering (AML) compliance.•Engaged external audits, agreed upon procedures (RFPs) and consulting engagements to meet full-scope status.•Implemented risk management principles and disciplines, monitoring adherence to regulatory compliance and incorporating effective internal/external risk controls.•Fostered an environment of growth through coaching and a collaborative risk management strategy.•Advisor to various enterprise-wide operational and lending projects. Created and developed bank policies. Provided review and change to policy advise.•Serve as an advisor to director and management committees, inclusive of Asset Liability Committee, Pricing and FICO Committee, Directors Loan Committee, Leadership Committee, and IT Committee.Executive Management, Operations Management, Financial Management, Sales Management, Customer Service, Branch Management, Commercial Lending, Consumer Lending, Special Assets, Collections,Public Funds, Executive Lending, Audit Management, Regulatory Compliance and Enterprise Risk Management, Audit, Bank Management

Pharr, Texas (Mcallen-Edinburg-Psja Msa)

EVP & Chief Risk Officer ($2 billion assets)Led the Risk Management Division responsible for the audit, internal controls, loan review, regulatory compliance, and BSA/AML compliance. Addressed risk/rewards related to operational and credit risk, incorporating risk management methodology and practices. Directed division staff of 20, including 5 senior officers. Served as regulatory liaison.•Reported directly to the Board of Directors, with administrative reporting to the CEO.•Architect and founder of the Risk Management Division and corporate structure to support an integrated, independent, fully compliant program, inclusive of systems to support the processes.•Led the bank to become a progressive practitioner of advanced risk management practices, exceeded regulatory expectations in remediating complex issues and enhanced the profitability of the bank by managing an efficient division by minimizing risk management staff through effective use of technology.•Opened and built a de novo Branch that grew to $60 Million within ten months, profitability achieved in 5 months, with a staff of 12. Designed and equipped facilities and led marketing campaigns. Commercial Lending Officer with a $25 Million loan portfolio and supervised four lenders.•Developed HR Resources, including online performance appraisals, recruitment, competency matrix, salary administration, HRIS development, and HR policy revision.•Initiated Overdraft Program without a marketing campaign.•Improved Net Interest Margin 35 basis points by initiating and re-structure of interest bearing tiered accounts.Executive Management, Operations Management, Financial Management, Sales Management, Customer Service, Branch Management, Commercial Lending, Consumer Lending, Special Assets, Collections,Public Funds, Executive Lending, Audit Management, Regulatory Compliance and Enterprise Risk Management, Audit, Bank Management

Mcallen, Texas

EVP & Special Assets Division Manager ($4 billion assets)Created and organized a problem asset resolution and loan workout department, including state-of-the-art systems and processes. Directed credit risk assessment and measurement, loss accounting, IT assessment and utilization, departmental planning, liaison with lenders, regulatory agencies, auditors, compliance, legal, and internal audit.•Foreclosed and sold 158 properties totaling over $25 Million, repossessed and sold 458 vehicles, and collected and resolved over 2,500 consumer collection accounts within an 18 month timeframe.•Reduced staff from 16 to 6 by lowering managed assets and implementing technology.•Remaining collection accounts were less than 45, completing the agreed upon 4-year assignment within 2-years.Executive Management, Operations Management, Financial Management, Sales Management, Customer Service, Branch Management, Commercial Lending, Consumer Lending, Special Assets, Collections,Public Funds, Executive Lending, Audit Management, Regulatory Compliance and Enterprise Risk Management, Audit, Bank Management

San Benito, Texas

SVP & COO | Manager, Commercial Lending ($450 million assets)Managed daily operations of a high-traffic branch including lending, sales, and operations. Managed branch budget and planning, risk and compliance, expense control, revenue enhancement, and operating efficiency. Directed commercial lending including commercial, real estate, and accommodation consumer.•Generated $1.3 million consistent net earnings on assets of $80 million. •Managed public relations through officer call program and community involvement.•Conducted local public funds analysis, bidding, and management.•Supervised and mentored senior, mid-management, and junior officers.Executive Management, Operations Management, Financial Management, Sales Management, Customer Service, Branch Management, Commercial Lending, Consumer Lending, Special Assets, Collections,Public Funds, Executive Lending, Audit Management, Regulatory Compliance and Enterprise Risk Management, Audit, Bank Management

Bachelor Of Business Administration - Bba, Banking & Finance

Diploma, Swgsb - Cox School Of Business

National Commercial Lending Certificate, Banking, Corporate, Finance, And Lending

Diploma, Banking, Corporate, Finance, And Securities Law

Certificate, Advanced Bank Operations School

Certificate, Bank Operations School (Etsu)

Basic, Standard, Advanced Certificates, Banking And Financial Support Services

American Acredited High School Diploma, Kijabe, Kenya, East Africa