Brad Lyon
Senior Associate Consultant
Brad Lyon has over 35 years of experience in the community banking industry. His banking experience includes working as a Bank Examiner for the OCC, a Controller and CFO for two small banks before successfully chartering a De Novo bank with the Office of Thrift Supervision (OTS). Brad has also consulted as a Senior Auditor on a broad range of bank areas in lending, finance, and many regulatory compliance issues, including fair lending and UDAAP. During his 35 years in banking, he was President, CEO, Board Member and OCC Examiner.
EXPERIENCE INCLUDES
- Conducted many Commercial and Consumer loan reviews as well as numerous consulting assignments with a particular focus on Loan Compliance and Regulatory Lending audits
- Completed Commercial Safety and Soundness Reviews, including ALLL, Interest Rate Risk (IRR) reviews, Liquidity Management, Investments, and several credit loan reviews
- Conducted regulatory compliance audits for over 30 banks for all compliance areas, excluding BSA. Audits included regulations B, Z, Fair Debt Collections, HMDA, Financial Privacy and UDAAP
- Specialized in Fair Lending analysis, CRA audits and ALLL methodology reviews. Reviewed and created bank policies and procedures in all areas of bank management
- Conducted loan portfolio reviews in both consumer and commercial loan types, including both regulatory compliance and credit quality formats. Other Compliance audits completed included: Vendor Management/Third Party, SAFE Act, and SCRA/MLA. ALM audits included Interest Rate Risk, Liquidity, Investments, ALL, Loan Reviews (Compliance and Commercial), Accounting and Finance
- Performed loan portfolio stress tests and developed Interest Rate Risk Assumptions and back-testing
- Completed annual Regulation O reviews, SAFE Act reviews, and various risk assessments in compliance and safety and soundness area
- Maintained bank’s compliance training function as CEO
- Responsible for maintaining all financial records and creating monthly financial reports submitted to the Board as CEO
Education:
B.A. Degree in Finance, BYU
Stonier Graduate School of Banking graduate
ABA National School – Compliance
Services:
- Internal Audit
- Accounting & Finance
- ALLL / CECL
- Compliance Testing
- CRA
- Fair Lending
- Financial Analysis
- Flood Hazard Insurance Audit
- HDMA Review & Analysis
- Investment Portfolio Management
- IRR/Liquidity
- Loan Compliance
- Loan Credit Review
- Loan Portfolio Review
- Loan Operations
- Mortgage Loan Operations
- Regulatory Compliance
- Risk Assessment
- SAFE Act Review
- UDAAP