Experience

Rial & Associates LLC       (November 2006 - Present)

Principal

§  Consulting practice focused on financial analysis, credit administration and asset quality issues.

§  Expert witness on various banking related topics. 

American Partners Bank   (January 2006 – August 2006)

President & Chief Executive Officer

§  Thrift institution consisting of traditional commercial and retail operations (20%) and a separate mortgage operation (80%). 

§  General management of the commercial, retail and credit areas of the traditional commercial and retail operations.

§  The Bank was acquired by Affinity Financial Corporation.

Colombo Bank                   (April 2002 – January 2006)

President & Chief Executive Officer

§  Privately owned institution.

§  Improved profitability by over 400% by implementing strategic initiatives in staffing and loan production.

§  Resolved OTS Examination issues.

F&M Bank – Maryland       (May 1998 – March 2002) 

President and Chief Executive Officer

§  General management of a $250MM institution with 13 locations. The bank was purchased by BB&T in 2002.

Riggs Bank N.A.                 (1987 – 1998)                

Senior Vice President and Division Head, Commercial Real Estate Division

§  General management of a lending division with relationships with commercial and residential developers.

§  Responsible for the resolution of a portfolio of troubled church loans.

§  Managed the Small Business Division.

Senior Vice President and Division Head, Commercial Banking     

§  Responsible for new business development for middle market   companies across all industries in the Washington market. 

Senior Vice President and Senior Credit Officer

§ Exercised independent credit approval authority of $5.0MM. 

§ Vice-chair of Officers Loan Committee.

Senior Vice President, Special Assets Group              

§ Managed the highest risk portfolio of the Special Assets Group.

§ Resolved over $450MM in troubled loans. 

Vice President and Division Head, Government Industries Division

§ Implemented business development and problem loan resolution strategies.     

§  Expanded portfolio by over $50MM in one year.    

Mellon Bank, N.A.                (1974 – 1987)    

Vice President, Middle Market

§  Senior relationship manager.

Vice President, Health Care

§  Originated over $750MM in health care related credit facilities. 

Assistant Vice President & Credit Officer

§  Credit administrator for eighteen branch offices.

Planning Officer, Metropolitan Department

§  Created and implemented a strategic plan for human capital management of Mellon’s 110 branch offices and card services division. 

§  Group Leader for investigation and analysis of the Philadelphia retail banking market for selection of an acquisition candidate.

Education

J.D., Duquesne University School of Law

A.B., Georgetown University