Howard Cloy

Mr. Howard Cloy has served as a Senior Vice President/Chief Risk Officer within the bank’s Risk Management Division for the past eight (8) years. The position is concentrated in risk management procedures which are particularly intended to identify risk probabilities in lending opportunities and mitigate such risks to assure the bank’s  Asset Quality position remains favorable.

Mr. Cloy’s background consists of 12 years of regulatory experience with the Federal Deposit Insurance Corporation (FDIC) as a Federal Bank Examiner and 30 years as a banking consultant with Pickering and Associates, Inc. The consultant services were concentrated in Loan Review, Merger/Acquisitions, and Regulatory Compliance activities. Mr. Cloy has been recognized and identified as a Banking Expert within the Eastern, Western, and Middle Federal Judicial Districts of Louisiana during expert testimony in FDIC legal actions against Directors and Officers of failed banks.

Mr. Cloy received a Bachelor of Science Degree in Accounting/Business Administration from Mississippi Valley State University; Graduate of the University of Oklahoma Compliance School; Graduate of the Kirschman’s Regulatory Compliance School; and has attended numerous subject matter training seminars sponsored by the FDIC, the Bankers Administration Institute; and the Louisiana Bankers Association.