•  Succession Planning

• Corporate Governance

• Loan Review

• Regulatory Issues

• CECL

• Modeling 

I recently retired from the FDIC after over 30 years. One of the most enjoyable parts of that job
was being able to assist bankers in areas where their institution had not had the time or
resources to develop expertise. While much of this expertise was gained from regulatory
experience, guidance, and training, just as much was gained from the bankers by seeing the
way different banks approached needed changes. I formed Rock Consulting LLC to provide a
venue for me to continue to provide assistance.

I started my career as a field examiner and progressed to a case manager in the Kansas City
Regional Office. I returned to the field as a manager where I had the pleasure of serving as a
field office supervisor in the Sioux City and Sioux Falls Field Offices. The next step was to go
to the Chicago Regional Office where I oversaw banks in Wisconsin and the region’s large bank
section. Over the years I led or participated in several special projects. Some of them involved
personnel management such as revising job standards, benchmarks, and feedback, while others
were for specific topic such as the ag loan classification policy or third party risk. I recently
retired and have already figured out that I have a passion to continue working in the financial industry.

I have some exposure to the large bank world through oversight of that section, but my expertise
is in the community banking environment. My grandfather was involved in forming a community bank
from which my father retired. That bank is now a branch of another institution, which seems to have
been the right decision.  However, there are other situations where it may be best for the institution’s
owners and employees and the local community to strive to help that charter survive. I can help you
walk through decisions like these.