Our Principals

William Crosby - Senior Consultant

Mr. Crosby has three decades in the financial services industry as a federal regulator, examiner, analyst, consultant and expert witness. He has been involved with numerous de novo bank formations, mergers and their regulatory structural and financial components. Mr. Crosby has assisted banks in problem areas to ensure compliance with administrative regulatory actions including Consent Orders, Written Agreements and Cease and Desist Orders. He has significant experience in credit review to determine asset quality, compliance with and adequacy of loan portfolio management policies, procedures and practices, and has served as an expert witness involving mortgage fraud, consumer and commercial lending, operating systems and industry practices. In a recent assignment for Bank Resources, he validated the loan loss methodology for a client that was used by the client with their primary regulator. From 1977 to 1982, he served as a Commissioned National Bank Examiner by the Office of the Comptroller of the Currency and from 1982 to 1987 he served as Deputy Director for Corporate Activities, Licensing Analyst. Mr. Crosby has consulted with denovo formations and existing banks since 1989. From 1977 to 1982, Bill served as a Commissioned National Bank Examiner with the Office of the Comptroller of the Currency, and from 1982 to 1987 he served as a Licensing Analyst in the Southeastern District headquarters. He has consulted with community banks since 1987.

Eddie Francis - Senior Consultant

Mr. Francis began his professional career in 1978 as a bank examiner with the Federal Reserve Bank of Atlanta. In 1984, he established an accounting firm that focused on assisting small to medium-sized banking organizations with their regulatory filings and with their bank regulators. Additionally, he provided other services to the banking community such as internal and external audits, tax services, loan reviews, formation of bank holding companies, and non-bank subsidiaries, as well as analysis and due diligence services with respect to bank mergers and acquisitions. His CPA firm is a registered firm in good standing with the Public Company Accounting Oversight Board (?PCAOB?). Mr. Francis has extensive experience with regulatory enforcement actions, including Written Agreements, Consent Agreements, and Cease and Desist Orders. Since 2009 he assisted more than fifteen banks with compliance with their regulatory enforcement actions. His regulatory enforcement action services included corporate governance, Board oversight and monitoring duties, Board education, management assessments, designing capital plans that are achievable, developing ALLL methodology, budgeting, strategic planning, liquidity plans and funds management policies, contingency funding plans, stress testing the loan portfolio, credit concentration, credit reviews, plans to improve interest rate risk, and managing the enforcement action process.

Alice Hanson - Senior Consultant

Ms. Hanson has contributed to the development of management studies for banks requesting assistance in this troubled economic environment. These include analysis of bank and management performance and structure. She also has experience in generating interagency biographical and financial reports and developing economic feasibility studies. These studies resulted from extensive research in potential markets based on factors such as location, growth and economic development. Prior to her association with Bank Resources, Ms. Hanson was a research engineer in the Engineering and Research Department at Norfolk Southern Corporation. She was responsible for the research, development and implementation of statistical analysis reports concerning production and maintenance of corporate projects. She developed automated reporting systems to facilitate communication between field projects and management. She also has consulted for small companies in setting up computer-generated reports for management analysis. Ms. Hanson holds a Bachelor of Arts degree in Economics from Rollins College. She also has taken post-graduate courses at Georgia State University.

Paul Henry - Senior Consultant

Mr. Henry has over 25 years of experience in strategic planning, marketing research, product development, and project management. At Bank Resources he specializes in researching and authoring market potential reports for de novo bank formations. He also has significant experience in Strategic Planning. Mr. Henry was a partner at Creative Solutions Group, Inc. (acquired by BISYS in 1996) where he was responsible for the development, implementation, and support of automated systems for consumer and mortgage loan lead generation, pre-qualification, and approval. He has also served in a variety of executive management and consulting positions with First Nationwide Network, Bank Earnings International, Electronic Banking, and KPMG. Mr. Henry has also appeared as both a speaker and panelist at banking industry trade shows and conventions. Mr. Henry holds a Bachelor of Arts Honours degree in English and Sociology from Queen's University and a Master of Business Administration degree in Marketing from the University of Western Ontario.

Byron Richardson - Senior Consultant

Mr. Richardson has substantial bank consulting experience in such areas as organizing new banks, forming bank holding companies, drafting strategic plans, developing business plans and capital plans, responding to regulatory matters, conducting regulator required management studies, assisting with mergers and acquisitions, evaluating branching strategies, and analyzing operations to improve earnings. He has directly and indirectly assisted with the formation of more than 150 commercial banks with their charter applications. Mr. Richardson has been involved with numerous merger/acquisition and branch buy/sell opportunities. He has extensive experience with regulatory enforcement actions, including Written Agreements, Consent Agreements and Cease and Desist Orders. Mr. Richardson has appeared on CNN?s American Morning and Bloomberg Television regarding banking matters. He has been called upon by and quoted in the American Banker, SNL Financial and Reuters. He has been quoted in the Atlanta Journal Constitution, Atlanta Business Journal, the Myrtle Beach Sun-News, the Richmond (VA) Times and several business oriented newspapers. His regulatory enforcement action services have included management assessments, board assessments, developing ALLL methodology, capital plans, strategic planning, seeking and receiving certain enforcement compliance waivers and management of the regulatory enforcement action process.