The Art of Strategic ERM™

The correlation between risk and reward

Harnessing it means preparation, clear objectives, and a solid plan that fits your risk appetite. It strengthens your goals and gives you the freedom to focus on what matters most.

No matter how high the climb.


Finance. Risk. Unified.

It’s like having a heads-up display of financial data and metrics overlayed on top of the clearest risk visibility possible.

Yes – the technology is finally within reach for banks of all sizes.

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Make CECL a Strategic Advantage.

When you can anticipate credit cycles, you have the freedom to realize future opportunities when you leverage CECL and actually make a significant contribution to your bottom line with it.

Let’s have a conversation.

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Finance. Risk. Unified.

Say goodbye to siloed processes, disconnected systems and scattered data.

Say hello to a single, modern software solution that provides strategic visibility and combines comprehensive financial and risk analytics in a highly automated and intuitive technology platform.

Growth-oriented community and regional banks are now able to gain unprecedented forward-looking insights into their financial performance and risk exposure. This cutting-edge technology combined with best-in-class financial and risk management methodologies provides the freedom to spend less time guessing, gathering, and reacting, and more time executing your strategy, optimizing your risk profile, and achieving your goals.

Find out more today about how our unified technology platform can provide you with unprecedented strategic visibility. Click the “Learn More" button to receive our latest eBook, 7 Key Elements Needed to Integrate your Financial and Risk Strategy, and Why They’re Essential.


The Art of Strategic Risk Management
How OnPoint’s overall Enterprise Risk Management (ERM) methodology begins with your bank's business strategy, goals and culture.
Credit Risk, Expected Loss & Freedom
How OnPoint’s Enhanced Credit Risk Management program philosophy and methodology leverages Expected Loss into everything. Including the upcoming CECL regulation.
Make CECL a Strategic Advantage
When you can anticipate credit cycles, you have the freedom to realize future opportunities when you leverage CECL and actually make a significant contribution to your bottom line with it.

    OnPoint exists because straight-forward, strategic, and disciplined Enterprise Risk Management is what’s needed for today’s needs in the financial space.

    We fully understand the challenges that today’s bankers face with managing risk and we take a straight-forward approach to each client with comprehensive application driven by their business culture and objectives. We also understand demands on time, resources, and pressures bankers face to deliver results.


    OnPoint Risk Advisors is a consulting and advisory firm that focuses on assisting financial institutions with strategic – and often neglected – optimization of their enterprise risk management practices.

    The OnPoint team includes experienced banking professionals who take disciplined ERM practices to a strategic art form. Our OnPoint advisors have strong expertise in ERM, Credit, Operations, Market, Internal Audit, Compliance, and Technology risk management.


    The OnPoint team of experts consists of banking professionals with an average of 30 years bank risk management experience, and industry advisors and trainers of over 400 state and federal bank examiners. Our leaders have implemented risk management programs in institutions with up to $50 billion in assets.

    We believe there is no one-size-fits-all template for adequate ERM. At OnPoint, we are specifically equipped and intent toward dynamically providing solutions that fit your unique needs and goals.


    OnPoint has developed proprietary enterprise risk management methodologies based on decades of hands-on financial industry experience that has been proven to accelerate results.

    OnPoint retains strategic relationships with regulators, technology providers and trade groups and has excellent client relationships and references.

    With high-performing consultant specialists positioned in the largest markets around the US, OnPoint’s Digital Enterprise allows for the kind of native delivery that ensures a high-touch collaboration effort.

"OnPoint's ERM program provided, not just a forward view... an exceptional forward view to our risk exposure."

- Chief Risk Officer, $6B regional bank

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Selected Projects


A privately held community bank, $1.5 billion, with a strong presence in mid-sized communities, looking to expand into new geographic areas and enhance their Financial and Risk Management processes with leading technology and reporting systems.


The bank needed to implement a new Financial and Risk technology infrastructure that could support the strategic direction and provide timely and accurate visibility to risk, operations and financial performance. There was no adequate connectivity in place that could bridge their core system, 3rd party data and manual spreadsheets in order to provide both financial and risk to strategic performance reporting and analytics.


Three implementations were chosen from our Finance. Risk. Unified. (FRU) framework: financial management, enterprise risk management and enhanced credit risk management.

Sola Analytics began with the implementation of a comprehensive budgeting and financial reporting system that incorporates branch, board, and external reporting, complete with allocations and consolidating entries. This also included loan and deposit reporting, as well as forecasting and strategic planning.

OnPoint then implemented a robust Enterprise Risk Management (ERM) Foundation Program that is strategically aligned to support achievement of the bank’s objectives. The program included defining the Risk Appetite, Top Risks and Key Risk Indicators with metrics covering all areas within the bank. These programs are deployed within the same technology as the Financial management system.

The bank then implemented an enhance credit risk management scorecard program which delivers credit risk assessments that rate both the borrower and collateral, and quantifies expected loss, allowing the bank to adjust pricing proactively, while gaining visibility to credit exposures well in advance of an actual loss event. This program was then leveraged to create alignment and visibility for loan portfolio management, the provision for loan losses, and loan production strategies.


With the implementation of the FRU platform, the bank now has current and accurate data to measure their performance against their five-year plan, with a continuous view of financial outcomes alongside their risk profile. And with increased visibility to the real-time impact of their risk-adjusted decisions, the management team now has the freedom to be much more proactive and strategic toward their growth initiatives.


    A privately held regional community bank which doubled its size after a merger growing to $7 billion had expanded its footprint from a smaller rural concentration, to more high-growth midsized community market areas.


    An OnPoint existing client requested additional support given their increased size and expansion of their business strategies, more complexity and regulatory expectations for management of risk. Specifically, the bank was seeking greater visibility from both a financial and a risk perspective with particular focus on enhancing the financial, enterprise, compliance, internal audit and credit risk management programs.

    The acquisition raised the bar for financial, risk, regulatory reporting and monitoring expectations. Management’s strategy required the support of more advanced systems and programs that would provide integrated views of financial and risk data. Given the complexity and breadth of the combined entities, the bank financial and risk strategies required an integrated and strategic enhancement. Visibility of key financial, risk, budgeting and performance metrics, as well as loan and deposit performance metrics were needed. Further, a consolidated view of the financial and risk data was critical to ensure the bank would make the most effective strategic and forward-looking operational decisions possible.


    The bank selected a unified platform for all financial and key risk information streams – financial, credit, operational and capital.

    Sola Analytics implementation of comprehensive budgeting and financial reporting enabled through an integrated technology platform, and OnPoint’s implementation of enhanced ERM, Internal Audit, Compliance and Credit risk management programs provide the client with highly automated platform leveraging the bank’s risk and financial data into a unified view to ensure strategic visibility and success.

    Features included:

    • A consolidated risk tool set that includes credit risk stress testing and an enterprise wide stress testing based on prospective economic scenarios
    • The ability to simulate prospective economic scenarios and see the potential impact on capital and financial performance while gaining visibility to the organization’s risk profile
    • Visibility to the potential impact on charge-offs and the provision for loan losses while identifying higher risk profile segments of the loan portfolio


    With the implementation of a unified platform that overlays financial data with risk visibility, the bank now has the right information in real-time to make risk-based decisions to their credit portfolio, financial forecasts, and overall strategic objectives. The management team at all levels can also see the real-time impact of their decisions from a financial and risk perspective to take full advantage of opportunities across their newly acquired and diverse market segments.


      Privately owned emerging regional bank with significant rural market presence as well as emerging presence in a high growth urban market


      After experiencing the impacts of the 2008 Financial Crisis, the Bank, then at $2B in assets, needed a better way to assess and monitor their credit risks in this new environment of high competition and global economic stresses. The Bank is focused on maintaining their localized community focused business model which drives their highly profitable results. Thus, the Bank recognized that their growth objectives and planned market segment expansion strategies require greater visibility to their risk exposure.


      OnPoint engagement began with our unique INREVAS process which provided the Bank’s leadership team with a risk adjusted assessment of their current state of risk management processes across the enterprise along with a roadmap of risk management process improvement opportunities that would increase stakeholder value. A series of projects followed, that focus on both credit risk management enhancements as well as ERM implementation:

      • Dual Credit Risk Rating
      • Allowance for Credit Losses
      • Enterprise Risk Management Program Complete (governance, process level risk & control ratings from the front line)
      • Internal Audit Program integrated to ERM
      • Compliance Program integrated to ERM


      Our Client, now closing in on $7B in assets, is well poised to better anticipate changes in a fluctuating marketplace. They have already managed similar hurdles that have caused stresses under their previous risk programs. They have reported that they are now able to focus extra resources and energy toward growth and expansion.


        A publicly traded bank holding company with $8 billion in assets operating three entities: a regional bank, a national mortgage company and a local investments firm.


        The holding company’s entities all operated independently. Facing unique strategic plans and risk environments, each needed Enhanced Risk Management programs that could integrate and translate effectively to the enterprise. Each had specific growth opportunities, timelines, financial objectives, regulatory oversight needs and business cultures. In addition, because of significant regulatory constraints, they were unable to move forward with their plans for growth. There was a clear need for an enterprise-wide visibility to risk, and alignment of risk appetite.

        It became imperative that risk vocabulary, rating and risk-adjusted decision-making was also needed. Changing this risk culture would be the only way forward to enable their growth strategy and expand opportunities.


        OnPoint developed a program enhancement plan providing a road map and guide for the implementation of Enterprise Risk Management across all entities aligned to the three lines of defense framework. The engagement included the following:

        • Review and implementation of the eGRC System
        • Focused delivery of integrated Technology Governance and Risk Management
        • A comprehensive Credit Risk Management program with a Dual Credit Risk Rating program and a Credit Stress-testing program
        • Integration of Enterprise Compliance Risk Management including eGRC integration
        • Comprehensive internal audit program including eGRC integration


        As a result of these Risk Management enhancements, the organization had received the necessary go-ahead from the regulators to grow – both organically, and through acquisition – to $13 billion in assets while enhancing risk-adjusted returns within each entity. They are now able to see, review and discuss risk profiles and return tradeoffs between business activities, entities and strategies.


          Privately owned 40-year-old regional community bank with $2 billion in assets. This Bank has dominated its local market presence, providing local banking to their communities.


          After facing a significant amount of credit losses and impacts to capital, the Bank shifted senior management leadership and successfully focused on cleaning up its significant credit problem assets. Wanting to chart a new culture to grow through acquisitions and organic growth, the Bank was seeking assistance on how to improve their Credit Risk Management while maintaining their local community banking culture and avoid repeating the errors that caused the losses.

          As their market growth was expanding into the more competitive urban areas, the Bank’s leadership team needed better risk information intelligence to select business opportunities that provide the best fit for mutual success.


          OnPoint initially focused on Credit Risk Management, delivering a Dual Credit Risk Rating program, Enhanced Allowance of Credit Losses, and Credit Risk Stress-testing. OnPoint then provided enhancement of Risk Management overall, which included:

          • Development and implementation of comprehensive ERM
          • Internal Audit program
          • Compliance program
          • Operational Risk Management Framework
          • Mortgage Banking Risk Management program


          With the implementation of OnPoint’s 3 lines of Defense, the Bank now has a framework that allows front-line Process Owners, Independent Risk Management and Independent Risk Assessment to provide visibility on all necessary financial risk categories. The insight and control provided by these programs has transformed their risk culture and now provides risk insight on a continuous basis, empowering risk-adjusted targeted growth and profitability.


            A publicly traded regional super-community bank with $12 billion in assets has experienced significant growth through acquisition and expansion into the Southeast U.S.


            Having focused on the production side for growth, the bank faced regulatory pressure to enhance their risk management strategy, governance and visibility to their expanded environments. The bank’s existing risk structure and reporting confirmed that risk measurements were area-specific, and aggregated risk decisions were fragmented, complex and inconsistent. The risk management group was not including the first line of defense process owners to provide their risk environment view. The bank needed an enterprise risk management program to ensure that all risks are included, and that the assessment process was executed reliably and continuously. The Bank had previously invested in risk technology but was unable to leverage it to provide a clear view of their risk environment no matter where the activities occurred.


            OnPoint conducted an initial assessment of the environment and then developed an Enterprise Risk Management Program Strategic Plan, and the resulting delivery included:

            • A focused Enterprise Risk Management Program aligned to the 3 Lines of Defense
            • A comprehensive enterprise-wide first line of defense risk and control self-assessment which produced the organization’s first ever enterprise view risk reporting.
            • A review and integration to the eGRC system to include all 3 Lines of Defense
            • Support for regulatory orientation of the risk program implementation


            With the implementation of OnPoint’s Enterprise Risk Management Program, the Bank-wide view of the risk environment enabled the bank to satisfy the regulatory concerns necessary to enable the bank to continue its expansion strategies. The ERM governance and reporting framework ensured that front-line Process Owners’ assessment (1st line of defense) was established and that the Risk group could provide the executive and board with true risk visibility across their expanding markets.


              A privately held community bank, $2.5 billion had recently converted from a credit union to a national bank charter. Their strategic plan included key initiatives for advanced commercial lending and serving rapidly growing metropolitan area with strong community ties.


              With the transition from a credit union to a commercial bank, there was a compelling need for the organization to change their focus from controls-based risk management processes to strategic risk management program to support the plans for growth. The bank’s strategic plan included significant expansion in products as well as growing their commercial lending into new high-growth industries. The bank needed a comprehensive risk management program that could bring the three lines of defense together under an scalable enterprise framework which would enable the organization to grow with clear visibility to the risks involved.


              OnPoint engagement began with our proprietary risk management program maturity assessment (INREVAS) process which provided the Bank’s leadership team with an objective view of the maturity and current state of risk management processes across the enterprise. This assessment allowed for the development of a comprehensive roadmap of risk management process improvement opportunities that would increase stakeholder value.

              OnPoint then focused on an enhanced Enterprise Risk Management program implementation which included:

              • Development and implementation of comprehensive 3 Lines of Defense ERM program
              • Selection and Implementation of an eGRC system to support the ERM program
              • Internal Audit & Compliance integration within ERM program


              The Bank has since gone public and through strategic acquisition of other banks, is now at the $7 billion mark with one of the best efficiency and returns ratios within their peer group.

              With the implementation of OnPoint’s ERM program, the Bank has a framework that provides visibility and consistent risk ratings across all risk categories. The eGRC system provides the comprehensive reporting of risk enabling the Bank to align their risk appetite with their unique growth opportunities and strategic objectives.


                Publicly traded regional bank serving rapidly growing metropolitan area in the south and southwest regions of the U.S. The bank’s expansion strategy included the integration of previously failed community banks.


                Having been formed through the acquisition of previously failed banks that had multiple credit strategies and cultures, there was a need for a holistic comprehensive credit risk management program which would enable the expected growth strategies while continuous providing full visibility to the entire credit portfolio. Management wanted to ensure consistency and accuracy of credit ratings while implementing aggressive regionally specific credit growth strategies. Visibility was crucial to make adjustments to these growth strategies based on potential environmental economic fluctuations. The bank’s strategy was to grow to $10 billion in 5 years.


                OnPoint focused on an enhanced Credit Risk Management program implementation which included:

                • Development and implementation of comprehensive Dual Credit Risk Rating program based in Expected Loss measurement
                • Implementation of an enhanced Allowance for Credit Losses methodology based in Expected Loss
                • Credit Risk Stress Testing program based in Expected Lossm


                With the implementation of OnPoint’s three legs of its comprehensive Enhanced Credit Risk Management (ECRM) program, the Bank has successfully reached their goal of over $10B, with a framework that provides visibility and consistent ratings across the entire credit portfolio. A stabilized credit portfolio enabled acquisition of other banks in growth regions even under high scrutiny and approval from the regulators due to their aggressive growth.


                JOHN DREW
                President & CEO
                AARON TAYLOR
                Financial & Capital
                Practice Lead
                BUDDY COX
                Technology Govn/Ops Risk
                Practice Lead
                COLETTE ROBICHAU
                ERM/eGRC Systems
                DEBBIE RAY-WILSON
                Compliance Risk
                Practice Lead
                JEFF EVERITT
                Credit Risk, Compliance Risk,
                ERM Expert
                WALT BOYER
                Financial & Capital,
                Ops Risk Expert
                ADVISORY TEAM*
                Financial &
                * In addition to our listed Practice Leads and Experts, OnPoint has additonal talented advisors in key markets.
                JOHN DREW President & CEO
                Practice Lead: Enterprise Risk, Governance Risk, Credit Risk, Internal Audit
                Expert: Operations Risk, Market Risk, Technology Governance, Compliance Risk, Internal Audit, Mortgage Risk, Financial & Capital Risk

                John, a 37-year veteran in the financial services/banking industry, is President & CEO of OnPoint Risk Advisors, a Risk Management consulting firm that provides strategically aligned ERM and Credit Risk Consulting Services ranging from initial assessments to full implementations.

                Formerly, EVP/Chief Credit & Risk Officer of Amegy Bank, John was responsible for Enterprise Wide Risk Management including governance, credit, operations and market risks and served as the liaison to the Board of Directors and the OCC for the risk management and regulatory oversight of the bank. Under his leadership, the bank implemented one of the earliest comprehensive Enterprise Risk Management programs in the nation which included the integration of all Regulatory Compliance and Internal Audit functions.

                Other risk management related accomplishments include roles with the Risk Management Association, the nation’s leading risk management association for financial institutions, as National and State Director, Enterprise Risk Council and numerous speaking engagements at local, state and national risk management events. John has provided risk management training and thought leadership in the area of risk management to over 400 bank regulators across the nation. John holds a BBA in Finance degree from Texas Tech University.

                AARON TAYLOR CFA, CPA
                Practice Lead: Financial & Capital Risk, Market Risk, Credit Risk
                Expert: Enterprise Risk, Governance Risk

                Aaron recently spent 10 years at a leading regional financial institution. His scope of responsibility included the role of Executive Vice President, Director of Capital Planning, Director of Enterprise Risk Management, Director of Financial Planning and Analysis.

                Aaron has a wide ranging career in the banking industry with extensive experience and emphasis on stress testing, enterprise risk management (ERM), and financial reporting and analysis. He was the primary architect for the development of the Dodd Frank Act Stress Testing (DFAST) program, Model Risk Management Program and ERM Program. In addition to establishing an effective governance structure, Aaron also designed pre-provision net revenue and credit loss models. Prior to that, he led the formation and development of both the Enterprise Risk Management (ERM) and Financial Planning & Analysis (FP&A) departments. While leading the FP&A department, he successfully managed the implementation of a comprehensive financial reporting, budgeting, and forecasting system used for all internal, regulatory, and SEC reporting.

                Aaron’s banking and risk experience also includes extensive involvement in every stage of two major M&A transactions and the related purchase accounting. He also has extensive experience in profitability reporting, asset liability management, securities analysis, and cash flow modeling. In addition to his CPA and CFA license.

                Aaron holds a Bachelor of Science in Finance degree from Oklahoma State University and a Masters of Science in Accounting and Information Management degree from the University of Texas at Dallas.

                BUDDY COX
                Practice Lead: Technology Governance, Operations Risk
                Expert: Enterprise Risk

                In addition to 19 years of FinTech and banking leadership experience, Buddy Cox is an entrepreneur, investor, and business-focused technology strategist who over the last 25 years has created an array of successful businesses in three different industries.

                Most recently, Buddy was a founding partner and EVP, Chief Information Officer/Chief Operations Officer of Cadence Bank, N.A. which, in 2010, raised $1.0 billion in capital and deployed $925 million to support a value-enhancing bank acquisition and merger strategy in the southeast U.S. and Texas. After acquiring and fully integrating three banks, and singularly branding the combined entity as Cadence Bank, N.A., the company grew to $8.5 billion in assets with 72 locations and 1,300 employees over the 5 years of Buddy’s leadership.

                As Executive Vice President and Chief Information Officer at Amegy Bank, he led innovation in policy development, best practices, security and regulatory compliance. During his 14 years at Amegy, he helped the bank earn a reputation for technology leadership and innovation by accomplishing a number of technology "firsts" in the industry, including electronic statements and e-business services.

                Buddy was a pioneer in developing much of the information technology that brought the banking industry online. He was a founding member of the industry's first Internet Council in 1995, which successfully packaged and originated the first financial transaction to be sent over the Internet. Buddy was named to the CIO 100 in 2004 by CIO Magazine. He was awarded the 2005 Digital ID Award, which recognizes innovation leadership in technology and security, and was named number one of three top CIOs "who get banking" by Gonzo Banker (CornerStone) in 2004.

                Whether it’s banking, investing, or business strategy, Buddy is known for his rich business acumen, level head, understanding of technology trends and his action-oriented leadership style.

                Buddy earned his bachelor's degree in finance from the University of Texas at Austin.

                COLETTE ROBICHAU MBA
                Expert: Enterprise Risk, Governance Risk, Operations Risk, Technology Governance, Compliance Risk, Internal Audit

                With over 30 years of experience in the Financial Services Industry, Colette is a highly successful Senior Project Manager and Enterprise Risk Management Program Manager in technology, financial, and governance.

                As a former Vice President for IT Finance and Planning with a high-growth regional financial institution, Colette utilized a unique combination of strategic analysis, negotiation and financial management skills to lead all financial functions for the high growth IT division including operational budgeting and forecasting, capital planning, cost accounting, financial analysis and variance reporting while focusing on performance measurements and governance standards.

                As an Enterprise Risk Management Program Manager and business process strategist for OnPoint, Colette brings exceptional knowledge and experience to clients through service value and project planning development, data and process analysis, risk assessment, organizational behavior, and collaborative resource management. Combining strong project management leadership, her background in statistics and proven best practices methodologies, she develops tracks and coordinates customizable and highly strategic plans for the implementation of ERM and Credit Risk Management programs.

                Colette holds a Bachelor of Science in Statistics degree from the University of Southwest Louisiana in Lafayette, Louisiana and an MBA with emphasis on Project Management from Empire State College in Saratoga Springs, New York. Additional training includes Project Management Tools and Methodologies, COBIT User Conference, ITIL Management Basics, Six Sigma Green Belt Training, and Capturing Business Requirements Training.

                Practice Lead: Compliance Risk
                Expert: Mortgage Risk

                As an executive-level certified compliance professional with over 26 years of experience in the Financial Services Industry, Debbie’s background consists of a balanced history as a mortgage executive, regulator and consultant with hands-on project management and team leadership experience.

                Debbie established and led a mortgage compliance QC function at one of the nation’s largest mortgage companies that was a division of a $12B bank to process thousands of files for both wholesale and retail with prime and subprime mortgage applications.

                Debbie’s extensive executive-level compliance leadership includes: a $17B thrift, as compliance advisory to its mortgage subsidiary; Regulatory Compliance risk management at a $250B National Bank; oversight for Regulatory Compliance of mortgage lending for Texas division of a $18B four-state National Bank; and Regulation B and UDAAP review of $10 billion bank’s tri-state mortgage division.

                Debbie also has an extensive background in all consumer protection regulations with a specialty in Bank Secrecy Act, Fair Lending and Lending regulations.

                As a federal bank examiner, compliance officer and consultant Debbie’s experience provides an invaluable well-rounded perspective for OnPoint’s clients. Industry recognized certifications include: Certified Regulatory Compliance Manager (ICB), Certified Risk Professional (BAI) and Anti-Money Laundering Professional (BAI).

                Debbie is a published author in industry publications such as the American Bankers Association (ABA) Bank Compliance Magazine and Bankers Digest on the topics of fair lending and UDAAP. She is also a frequent instructor, panelist and speaker at ABA schools and conferences, the Texas Bar Association, the Texas Association of Bank Counsel, and the Dallas Area Compliance Association.

                JEFF EVERITT
                Expert: Credit Risk, Compliance Risk, Mortgage Risk

                A versatile banking and finance professional with over 23 years of experience in project management, enterprise & credit risk oversight, mortgage banking, and compliance, Jeff has served as OnPoint’s project manager and lead analyst for Dual Credit Risk Rating, Allowance for Credit Loss (CECL and Incurred Loss), Stress Testing, Mortgage Lending Enhancement, Enterprise Risk Management, and Compliance projects for multiple financial institutions.

                Prior to joining OnPoint Risk Advisors, he worked with a national professional services firm focused on providing customized solutions to assist financial institution clients in the execution of their business strategies. Additionally, he provided industry expertise for projects with the FDIC, Small Business Administration, and OCC.

                Formerly a Senior Credit Officer of a community bank in Atlanta, his responsibilities included credit risk management of the Bank’s loan portfolio and the Bank’s commercial credit policies.

                Earning his BS of Finance from the University of Florida, Gainesville, he is also a Level II candidate in the Chartered Financial Analyst (CFA) Program.

                WALT BOYER Financial Services Expert, FINRA: 7, 24, 63 and 79
                Practice Lead: Business Expansion and Strategic Planning
                Expert: Financial & Capital Risk, Operations Risk

                As a Finance.Risk.Unified strategic partner, Walt brings nearly 40 years of Financial Services industry experience in strategic planning and business expansion leadership and is a proven leader in Financial Risk & Capital Risk and Operations Risk.

                Starting his banking career in 1980 at First City National Bank in Houston, Walt continued to build his leadership experience with positions at Southeast Bank of Miami, JPMorgan Chase & Co., before joining Amegy Bank of Texas (formerly Southwest Bank of Texas) to organize the company's correspondent banking team and helped to guide the bank's regional growth and mergers & acquisitions efforts and was an active member of their management committee. During 2005 and 2006, he also managed the bank's credit training program.

                From 2007 through 2012, Walt was a managing director with Keefe, Bruyette & Woods (KBW), and opened KBW's investment banking office in Houston, Texas. His responsibilities ranged from mergers & acquisitions, divestitures, advisory services, and debt and equity offerings.

                Walt then joined Alvarez & Marsal in 2012 as a Managing Director in the Financial Industry Advisory Services group (FIAS) in Houston, providing counsel to community and regional banks throughout the U.S. before joining Mundial Financial Group, LLC in February 2017 as Head of Investment Banking. In July 2018 he assumed the role of Chief Executive Officer.

                Walt has actively supported community and regional banking associations by serving on various boards, such as the Smith-Hutson endowed chair of banking at Sam Houston State University, the Independent Bankers Association of Texas (IBAT), and was vice chairman of the board of directors of the National Clearing House Association (NCHA) and president of the Gulf Coast Chapter of the Bank Administration Institute (BAI). Walt attended the University of Houston.


                STRATEGIC PARTNERS

                Sola Analytics delivers a comprehensive reporting, modeling, budgeting, enterprise risk management and credit risk management solution designed to meet the unique needs of banks – including forecasting, stress testing, profitability analysis, and the calculation of the Allowance for Loan Losses. This Microsoft SQL Server and Excel based platform includes a full suite of banking-specific features. Due to the high-level of out of the box functionality and flexible technology, a fully customized solution can be deployed in less than 60 days for most institutions.

                Focused on serving community and regional banking relationships, UFS is a strategic partner with Finance.Risk.Unified., that provides finance, risk, operations, technology and corporate development support and on-demand resources to growth-oriented, client-focused banking management teams.

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