American Bank, N.A.

www.abdallas.bank

In my role, I oversee the commercial bank's strategy and operations, where I develop and execute the bank's strategic plan with a strong focus on growing existing business lines and revenue. A key aspect of my work involves identifying and capitalizing on new business opportunities while maintaining and enhancing relationships with our key clients. 

In collaboration with the CFO, increased net income by 80% and reduced non-interest expense while growing assets by 24% in 2024 from the prior year. Budgeted to increase net income by 42% in 2025. 

I have successfully built and expanded our wholesale loan program, which involves the purchase and sale of loans, generating significant loan service income. To ensure the success of these initiatives, I lead and develop a team of senior managers across various functions, including commercial lending, credit administration, and enterprise risk management.

Additionally, I chair several important committees, such as the Director Loan Committee, the Executive Loan Committee, and the Management Risk Committee. I also actively participate as a member of the Asset-Liability Committee (ALCO), the Information Technology Steering Committee (ITSC), and the Compliance Committee, contributing to the overall governance and strategic direction of the bank.

EVP, Chief Banking Officer

www.abdallas.bank

In my role, I developed, built, and managed the risk management function from the ground up, which played a crucial part in achieving an impressive $211 million in organic asset growth, representing 88% of the total growth during my tenure. This accomplishment was underscored by my leadership in establishing and overseeing the bank’s Credit, Compliance, Technology, and Enterprise Risk Management (ERM) organizations.

I focused on creating and executing strategies that consistently outperformed our peers, while optimizing our risk management initiatives to facilitate sustainable growth. An integral part of my responsibilities included navigating the bank through various exams and audits, which were essential to ensuring the success of our growth strategy.

I successfully implemented a comprehensive Enterprise Risk Management program, which encompassed the development of policies and procedures, conducting risk assessments, and providing thorough board reporting. My commitment to excellence extended to building, leading, and managing high-performing teams that significantly enhanced the bank's risk framework and initiatives.

Furthermore, I oversaw the bank’s wholesale loan purchase activity and actively chaired several key committees, including the Director Loan Committee, Executive Loan Committee, and Management Risk Committee. I also served as a member of the Asset Liability Committee (ALCO), Information Technology Steering Committee (ITSC), and the Compliance Committee, further emphasizing my dedication to robust risk management and governance within the organization.

EVP, Chief Credit & Risk Officer

www.abdallas.bank

I was hired to build and develop the bank's credit and risk framework from the ground up. In my role, I successfully created, built, and managed the bank's risk management program, which played a crucial role in facilitating an impressive $121 million, or 103%, organic asset growth. Additionally, I took charge of establishing and managing the bank’s Credit, Compliance, Technology, and Enterprise Risk Management organizations.

To support the bank’s growth, I directed effective credit and risk management strategies while continuously improving the risk assessment processes to safeguard the bank's assets. My efforts focused on aligning risk management with the organization’s business goals through cross-functional collaboration, ensuring that all teams worked together towards shared objectives.

EVP, Credit & Risk Management

State National Bank

www.SNB.bank 

Responsible for overseeing management, providing organizational leadership, and establishing corporate strategy.

Investor & Board of Directors Member

Independent Bankers Association of Texas

www.ibat.org/ibat-services-board-of-directors

Board of Directors Member, IBAT Services Committee

Veritex Community Bank

In my role, I performed institution and concentration level stress testing for a sizable loan portfolio valued at $6 billion. This involved not only analyzing the portfolio's resilience but also monitoring key performance indicators (KPIs) on a quarterly basis. Through this analysis, I identified trends and benchmarked our results against those of our peers to ensure we remained competitive.

One of my significant contributions was the development and implementation of the bank's COVID stress testing framework, which was essential during the pandemic to assess potential risks. Additionally, I conducted thorough loan reviews that focused on evaluating credit administration practices and ensuring the accuracy of risk ratings. These responsibilities contributed to a comprehensive understanding of the portfolio's performance and risk management.

Vice President

Office of the Comptroller of the Currency

In my role as Examiner-in-Charge, I oversaw all aspects of bank supervision. This involved leading full-scope examinations and conducting quarterly monitoring activities to assess both risk and the quality of risk management practices. I closely examined various risk areas, which included credit, market, liquidity, operational, compliance, strategic, reputation, and governance risks.

Commissioned National Bank Examiner, Examiner-in-Charge

I gained foundational knowledge in bank supervision through my exposure to the financial services industry, where I had the opportunity to interact with bank management at all levels. This experience deepened my understanding of the dynamics within banks and the essential practices that govern their operations.

Associate National Bank Examiner

Wells Fargo

In my previous role, I focused on cultivating strong relationships with clients to effectively identify and meet their financial needs. I was proactive in promoting various banking products and services, which played a significant role in helping our branch achieve its sales targets. Additionally, I assisted customers with account management and resolved any problems they encountered, ensuring a positive banking experience for each client.

Personal Banker

Zane is an accomplished bank executive and sought-after advisor. He is a former regulator turned entrepreneurial banker doing his part to transform how banks operate and execute strategies for the future.

He serves as Executive Vice President and Chief Banking Officer at American Bank, N.A., responsible for all commercial banking activities. He provides leadership in executing strategies to achieve income targets, balance sheet goals, and expense control. Zane works closely with the board of directors to set the bank's strategic direction and drive value for shareholders. Additionally, he is a member of the board of directors for State National Bank and the Independent Bankers Association of Texas (IBAT).

Zane's track record of building and leading high-performing teams has consistently delivered results. His leadership skills are grounded in diverse experience and knowledge of the banking ecosystem, acquired through many years of industry experience, including working as a federal regulator at the Office of the Comptroller of the Currency (OCC). In addition to industry experience, he holds four professional certifications: CERP, CISA, CCBRS, and NBE.

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