RLR Management Consulting

Bradley Lyon

Bradley Lyon, a Senior Associate Consultant at RLR Management Consulting, Inc. has over 30 years of banking experience as a Federal Regulator (OCC), a Community Banker and as a Bank Consultant focused on the Lending and Credit side.  Brad rejoined RLR in 2019 after three years in industry having worked for RLR from 2013 through 2016.


Consultant Overview


  • Internal Audit
  • Accounting & Finance
  • ALLL
  • CRA
  • Fair Lending
  • Flood Hazard Insurance Audit
  • Investment Portfolio Management
  • IRR/Liquidity
  • Loan Compliance
  • Loan Credit Review
  • Loan Portfolio Review
  • SBA


  • Financial Services

His experience includes:

  • Leads RLR’s ALLL, Liquidity Management and IRR Reviews
  • Served as an OCC Bank Examiner
  • Former Controller, CFO, President and CEO for Community Banks
  • Conducted many Commercial and Consumer loan reviews for clients as well as numerous consulting assignments with a particular focus on Loan Compliance and Regulatory Lending audits

Brad has extensive knowledge and experience in the following areas, both in industry and consulting services:

  • Safety & Soundness functions:
    • ALLL methodology management and reviews
      • Overall methodology reasonableness
      • Directional Consistency
      • Q-Factor applications
      • CECL Preparedness
      • TDR and Problem Loan Accuracy
      • Compliance with bank and regulatory guidelines
    • Liquidity Management
      • Daily and Monthly Procedures
      • Liquidity Contingency Plan (LCP) Preparation
      • Compliance with bank and regulatory guidelines
    • Interest Rate Risk Management
      • Model review
      • IRR Assumptions
      • Annual back-testing
      • Compliance with bank and regulatory guidelines
    • Investment Portfolio Management
      • OTTI Documents
      • Pre-Purchase Stress Analysis
      • Compliance with bank and regulatory guidelines
    • Loan Portfolio Reviews
      • Commercial loans and Consumer loans
  • Regulatory Compliance, compliance reviews include the following regulations:
    • Loan-related compliance reviews:
        • Regulation B
        • Fair Lending
        • CRA Review
        • UDAAP
        • FCRA
        • TRID
        • HMDA
        • Financial Privacy
        • Fair Debt Collection
    • SBA
      • Worked at two community banks with SBA PLP designations
      • Conducted loan reviews at both institutions, including SBA loans
      • While working at RLR, conducted many commercial loan reviews, including SBA loans
      • While CFO at a Community Bank, was responsible for selling the guaranteed portion of the SBA loans in the secondary market

    Education & Certifications:

    Finance degree from BYU
    Stonier Graduate School of Banking Graduate