Ed Curtis

Ed Curtis is currently a board member at Autonomy Institute. Ed was previously with YTexas and The F&M Bank & Trust Company. Ed has been in the banking industry for over 20 years.

At The F&M Bank & Trust Company, Ed was responsible for leading the Texas operation in developing and managing an aggressive plan for growth and increased market presence. Ed structured the reorganization of the Texas market, beginning with retail, credit administration, marketing and lending operations. In the first 18 months, they exited over $40mm in loan relationships within the inherited $125mm portfolio. Ed upgraded the experience level of the lending and credit staff and decentralized the lending operations focusing on key areas of lending specialities in corporate middle market, equipment, energy and healthcare.

Within the first 20 months, Ed grew the staff from 7 to over 35, and gained market share of over $300mm in loans, $60mm in deposits and over $4mm in loan fees. Ed upgraded the core client profile from a small business (with average borrowing of $500m) to a middle market corporate borrower with average loan commitments ranging from $1-25mm through both direct loans and multi-bank participations.

Ed carefully managed the aggressive growth by creating clearly defined lines of business reporting, improved business processes and an in-house credit administration tracking system. Ed built alliances with local strategic partners, media outlets and correspondent banks. Within 2 short years, they had acquired top talent from large multi-national organizations and built a high quality team of the most respected bankers in town.

With over $350mm in loan growth during their tenure, the credit quality was not compromised. A key factor in holding to a quality portfolio, they had the corporate finance department team up with the sales staff to design and build-out an in-house cloud-based platform to improve workflow, create incentive based report tracking and monitor portfolio concentrations. The cloud based platform was designed in-house, saving over $100m in development costs, giving them the flexibility to customize reporting on demand. Ed's position was eliminated in 2012.

Ed Curtis has a MBA in Corporate Finance from The University of Dallas and a BA in Marketing from SUNY New Paltz. Ed also has a degree in International Finance from Ealing College in London, UK.