Carla D. Krider has over 30 years of experience in banking and financial consulting. She has held positions such as Loan Operations Manager and Vice President, where she oversaw loan departments and ensured compliance with regulations. Currently, as the owner of CDK Consulting, she provides regulatory compliance audits and risk assessments, internal control reviews, and training to financial institutions. Her qualifications include various banking certifications and extensive experience in loan and deposit compliance, auditing, and operations management.

1. Carla D. Krider
(281) 330-7239
cjdkrider@sbclgobal.net
EMPLOYMENT HISTORY & QUALIFICATIONS:
Solomon Edwards Houston, Texas February 2015 – June 2015
Contract Consultant
Contract Consultant reviewing C&I loan documentation to determine values; proper coding loan
coding including ownership, collateral type, loan type and terms. Information gathered uploaded
into new core processing system.
Contract Consultant reviewing syndicated loans to confirm balanced with agent bank for loan to
be moved to a new core processing system
CDK Consulting Magnolia, Texas July 2012 – Present
Owner
Consulting with financial institutions based on their needs to provide the following:
 regulatory compliance risk assessments
 deposit compliance audit and testing included but not limited to Reg C, Reg E, Reg DD,
BSA/AML, Privacy/GLBA, ACH/NACHA
 loan compliance audit and testing included but not limited to Fair Lending, Fair Housing,
Flood, Reg B, RESPA, Truth in Lending
 sarbanes oxley charting and testing
 internal control audit and testing
 general ledger testing to ensure balanced
 ACH audits per NACHA requirements
 business continuity plan reviews and audits
 training of employees and Board of Directors for BSA/AML, Fair Lending, Fair Housing,
Flood, Privacy and other regulations as required by regulators
 review workflow of departments with recommendations of efficiencies and best practices to
increase productivity and inefficiencies, mitigate risk and loses
 support in implementation of force placement of flood, hazard insurance
 monitoring and tracking of loan portfolio to extent deemed necessary by bank.
Accepted and agreed upon ACH Audits for past three years performed for bank including ; Fair
Lending, Reg E and Reg DD Audits, CRA, Internal Control Audits of Loans, BSA and Deposits
performed for various banks. (Institution names provided at interview)

2. MidSouth Bank N.A.
Loan Operations Manager, Vice President October, 2008 – July 2012
Executive Manager of Louisiana and Texas Loan Operation Departments which included 3
Supervisors and 24 employees reporting to the President, Chief Lending Officer and Board of
Directors. Job duties included goal setting for employees, department and self; mitigating risk of loans
ensuring customer service was not jeopardized of customers and Loan Officers; creating and
implementing efficiencies to enhance production of loan closing while adhering to regulatory
requirements/guidelines; hiring of, annual reviews of employees based on goals and performance;
meetings with Loan Officers and Assistances to enhance communication for better loan production;
ensuring and assisting in implementation/on-going of all software utilized by loan department;
ensuring general ledger balancing all aspects of loans; acquisitions of other institutions.
In 2008 and 2009 developed and implemented centralized loan production for retail and commercial
lines. This was an accomplishment with the end result creating efficiencies across bank lines, loan
department and enhancing mitigates to risks.
In the last two quarters of the year 2012 MidSouth bank purchased three banks. Two acquisitions
were located in Louisiana and one located in Texas. It was necessary to perform due diligence prior
to the merger of operations, governance, privacy and audit for compliance.
Banks and Credit Unions in Texas and Louisiana
June 1985 – October 2008
Manager of Loan Operations Departments with job accomplishments as indicated above. Began
banking career as a teller, Branch Manager and Loan Officer working towards Executive
Management positions in Loan Operations Departments.
EDUCATION:
Texas Property & Casualty Insurance License - March 2014
ACH/NACHA Training - 2012
Texas Health, Disability and Credit Life Insurance License - 2012
ABA Graduate School of Compliance & Risk -2007
ABA On-line Preparation Course for CRCM Exam - 2007
ABA National Compliance School – 2006
Numerous banking courses covering regulatory, compliance, accounting, management, and client
services. Continuing education and updates to regulatory, compliance, client services and Sarbanes
Oxley.