At Two Ledgers Group LLC, I conduct financial and credit analysis for lending institutions and legal clients, assign risk grades, and document written credit recommendations. I monitor client files for risk trends and manage engagements from intake through delivery.
I also advise lending institution clients on CECL and ALLL reserve analysis, applying expected credit loss methodology across segmented portfolios. My work incorporates historical loss rates, reasonable and supportable forecasts, and qualitative risk factors to inform reserve estimates.
Earlier, at First National Bank, I prepared credit memorandums and underwrote commercial loan applications, delivering 55 percent loan portfolio growth while holding credit quality within policy. I also owned and operated duToit Financial Group, Inc., an insurance, financial planning and securities practice focused on estate planning and specialty commercial insurance.
