Travis Faircloth, Mba Email and Phone Number

I examine North Carolina's state chartered credit unions according to the CAMELS methodology, which includes Capital, Assets (loans), Management (also including BSA and IT), Earnings, Liquidity, and Sensitivity (Interest Rate Risk).

• Repositioned to agency’s Training Team in January of 2019 to become Examiner in Charge (EIC) of bank exams and nearing the end of the training program.• Served as EIC of a community bank exam, managed other examiners, and wrote a report of examination. • Learned to apply banking laws and regulations relating to the components of the CAMELS Rating System, focusing on bank asset quality, operations, and management.• Proficient in analyzing a community bank’s asset quality (loans), call report, securities portfolio, capital adequacy, earnings, and liquidity.

• Evaluate the accuracy of financial statement analysis and spreads to gauge the risk of non- repayment and ensure NC banks make prudent and safe loans.• Examine loans for compliance with bank policy and appropriate state and federal laws and regulations. • Write and present memos and other documents to bankers and regulatory officials recommending improvements to banks’ credit administration practices and courses of action• Serve as the Asset Manager, who leads and coordinates the team of loan reviewers.• Review banks’ Allowance for Loan and Lease Loss (ALLL) model and their capital requirements to assess whether enough funds are reserved to cover potential bad loans.

• Managed and protected a community bank's commercial and mortgage loan portfolio of $850M. Activities includes loan decision-making, creating reports, and constructing workout scenarios.• Managed, trained, and provided advice for a team of 5 credit analysts in determining customer credit worthiness.• Prepared a variety of quarterly reports for internal and auditing purposes (FAS 114, past-due reports, etc).

• Managed and protected a community bank’s commercial and mortgage loan portfolio of $850MM. Activities included loan decision-making, creating reports, and constructing workout scenarios. • Managed, trained, and provided advice for a team of 5 credit analysts in determining customer credit worthiness. Arranged for analysts to train with banking consultants and with the Risk Management Association. • Prepared a variety of quarterly reports for internal and auditing purposes (ASC 310, past-due reports, etc.).• Reviewed and made loans meet documentation and regulation compliance standards.• Reconciled figures to the trial balance report and other reports for quarterly reporting requirements.