Experience

• 

  A combination of Highland Bank, Citizens Bank of Leeds, Bancorp South

  • A combination of Birmingham and Leeds, Alabama

  • Various, including Branch Manager, Vice President, Recovery Specialist

    • Aug 1990 - Dec 2001
    • A combination of Birmingham and Leeds, Alabama

    I was first a Branch Manager of a small office of Highland Bank. Then a Vice President and Loan Officer of Citizens Bank of Leeds. After the merger of Highland Bank and Citizens Bank of Leeds I returned to the Birmingham Office as "Collections Officer." When that bank was purchased by BancorpSouth (home office in Tupelo, Mississippi) and was assigned to the position of Vice President and Recovery Officer for the State of Alabama. I retired effective December 31, 2001 prompted by health reasons.

• 

  Resolution Trust Corporation (Agency of the US)

  • Washington, DC. I worked at failed S & L's throughout the USA.

  • Managing Agent and then Supervisory Managing Agent

    • Jun 1986 - Sep 1990
    • Washington, DC. I worked at failed S & L's throughout the USA.

    As Managing Agent I took over failed S & L's, effectively replacing the President's position and managed the liquidation and sale of such institutions. As Supervisory Managing Agent I was responsibile of the management and oversight of Managing Agents. At one time I had the responsibility of six Managing Agents and the six S & L's they were responsibile for in five separate States (Georgia, Florida, South Carolina, North Carolina, Virginia).

• 

  Guaranty Federal Savings & Loan Association, Birmingham, Alabama

  • Birmingham, Alabama with branch offices through out Alabama

  • President

    • Aug 1984 - Jun 1986
    • Birmingham, Alabama with branch offices through out Alabama

    I was initially employed there as the institution's "Investment Officer" without the knowledge that the institution was in a very, very serious financial condition (as were a large number of S & L's at the time). I was subsequently elected President and the institution was eventually taken over by the RTC (Resolution Trust Corporation . . . an Agency of the US Government).

• 

  Dean Witter Reynolds, Inc. (a national investment securities brokerage firm, sinced merged)

  • Birmingham, Alabama

  • Registered Representative ("Broker")

    • May 1982 - Aug 1984
    • Birmingham, Alabama

    I was a Registered Representative (commonly referred to as a "Broker.") I sold stocks, bonds, mutual funds and other investment securities and managed the investment portfolios of my client base.

• 

  First National Bank of Butler (now merged out of existence)

  • Butler, Choctaw County, Alabama

  • President

    • Oct 1980 - May 1982
    • Butler, Choctaw County, Alabama

    I was employed there as Senior Loan Officer to attempt to turn around a very unsatisfactory loan portfolio. I was subsequently promoted to President in less than 1 year. I resigned my position as President shortly after controlling interest in the bank was purchased by an individual from Shreveport, Louisiana.

• 

  First National Bank of Columbiana (now merged out of existence)

  • Columbiana, Alabama

  • President

    • Jun 1954 - Jun 1980
    • Columbiana, Alabama

    I was employed there in June 1954. Beginning as a Teller I progressed through virtually all other positions, including Assistant Cashier, Cashier, Vice President, Senior Vice President and then President.