Toby Lawrence 30+ years of experience including two years as a Bank President and CEO. Has served literally hundreds of financial institutions ranging in size from $30 million to well over $16 billion in total assets. Have also provided consulting services to federal banking related agencies such as the Federal Deposit Insurance Corporation and the Federal Housing Finance Agency that oversees Fannie Mae, Freddie Mac, and the Federal Home Loan Bank system. Consulting experience also includes providing loan review, internal audit program development and outsourcing, merger and acquisition, strategic planning, profit improvement and operational review services, litigation support, preparation of regulatory applications for community banks, and providing assistance to banks and credit unions in responding to regulatory orders. . Specialties: Toby is an in-demand speaker speaking to banking and credit union industry and peer groups on such topics as: Enterprise Risk Assessment Merger and Acqusitions 10 Ways To Increase Shareholder Value Current Trends And Future Expectations For The Banking Industry. Understanding How To Evaluate And Manage Liquidity And Interest Rate Risk Proven Techniques to Manage Risk and Improve the Profitability of Commecial Lending.