Achievement of these goals was considered by the HRC as very challenging, even aggressive, given the expected modest economic growth for 2007 for the financial services industry, the impact and duration of the on - going flat / inverted yield curve (meaning short - term interest rates that are virtually equal to or exceed long - term interest rates, thus lowering profit margins for financial services companies that borrow cash at short - term rates and
lend at long - term rates), potentially higher
credit losses, fewer available high - quality, high - yielding loans and investment opportunities, and a consumer shift from non-interest to interest - bearing deposits.
Profile * 42 years of diverse financial experience * 19 years of banking (
lending,
credit, loan workout business development) * 6 years of regulatory & consulting experience (RTC and Fact Witness) * 17 years of city government (Community Development & Housing) * MBA, CPA, CPM, CFE, FCPA, CDFA * Proven leadership in startups and large organizations Key
Achievements * Two personal community development awards (City of Waco) *...