Curriculum Vitae and Expert Witness

Pat McElroy, Jr.

Pat McElroy, Jr. has more than 40 years of experience in the banking industry. After graduating from Texas Christian University with a BBA degree, he began his banking career as an examiner with the Federal Reserve Bank of Dallas and later worked for three different banks in various lending and managerial capacities.

In 1989, Mr. McElroy founded Biltmore Management Group, a full-service financial institution consulting firm. For 13 years, the firm provided various consulting services to financial institutions throughout the United States. Mr. McElroy sold the firm to Alex Sheshunoff Management Services in 2003. Through his current consulting firm, Risk Management Partners, LLC, Mr. McElroy continues to provide consulting services to financial institutions in several states.

Mr. McElroy is a frequent speaker at banking industry conferences and seminars throughout the United States. He has worked as an instructor and course developer for the Bank Administration Institute of Chicago and several other industry organizations. In addition, he has written numerous articles covering various aspects of banking which have been published in banking magazines throughout the country. He has also been quoted as a banking industry expert in various newspapers and magazines and has appeared on the Fox Business Network providing commentary on bank mergers.

Mr. McElroy is frequently called to provide expert witness testimony in various criminal and civil trials involving bank issues. A notable example was his appearance as a banking expert in one of the Whitewater trials in 1996. Previous litigation clients include banks, insurance companies, private individuals, United States Trustee, Texas Attorney General, Florida State Attorney, United States Navy JAG Corps, and the Federal Deposit Insurance Corporation.

In addition to his consulting work for financial institutions, Mr. McElroy has provided consulting services to the Office of the Comptroller of the Currency (OCC). He has been approved by the OCC to assist in both safety and soundness and compliance examinations. McElroy also completed a project for the OCC in which he developed a problem real estate loan seminar that has been used to train OCC examiners throughout the United States. Mr. McElroy has also provided training to Texas Department of Banking examiners.

Mr. McElroy has provided expert testimony in more than 100 cases.

Mr. McElroy's complete CV is available upon request.