TIB Credit Risk Consulting Team



Frank Caple

  • 30+ Years as a Senior Credit Risk Officer and Special Assets Manager


Tim Palyukh

  • Former JP Morgan Chase Credit Manager & JP Morgan Chase Credit Program

Al Cott

  • 40+ Years as a Commercial Lender; CLO, EVP, and SVP roles

Cynthia Pollock

  • 25+ Years as a TIB Credit Risk Consultant
  • 40+ Years in Credit, Loan Operations, and Special Assets

Zane Gray

  • Commissioned Bank Examiner (Texas Department of Banking)
  • Examiner in Charge (EIC)

Terry Richter

  • Former OCC Assistant Deputy Controller for Longview and Dallas, TX Regions

Bill Greenhaw

  • 10+ Years as a TIB Credit Risk Consultant
  • 40+ Years in Commercial Lending
  • Former OCC Examiner

Lyle Russell

  • Former FDIC Manager Over National Credit Risk Management Audit Program (Loss Share/Structured Transactions)

Debra Hackerson-Woitena

  • 20+ Years as a TIB Credit Risk Consultant
  • 30+ Years in Banking and Loan Operations

Jennifer Shiller

  • 8+ Years as TIB Credit Risk Consultant
  • 10+ Years Lender/Loan Review
  • Former OCC Examiner

Ben Melican

  • 30+ Years in Lending and Asset Management
  • International C&I Infrastructure Finance
  • Corporate Debt Restructuring

Mark Stearman

  • 30+ Years as an OCC Examiner
  • Capital Markets Expertise

Hugh Morgan

  • 40 Years at the New York Federal Reserve
  • Supervising Examiner for Community Banks and Large Banks

Sara Trumbull

  • 30+ Years Credit Risk and Commercial Lending
  • Former State of Missouri Examiner

Greg Odean

  • 40+ Years Commercial Lending and Portfolio Management
  • 20+ Years Non-Performing Asset Management
  • $2 Billion Commercial Loan Portfolio Management