Audrey A. Duncan

Audrey A. Duncan, CCO

Ms. Duncan has served as Senior Executive Vice President and Chief Credit Officer of
the Bank since January 2021. From June 2015 to January 2021, Ms. Duncan served as Executive Vice President
and Chief Credit Officer of the Bank. Ms. Duncan is responsible for the Credit Administration Department,
which includes loan operations, problem loan workout, loan monitoring, loan analytics and credit underwriting.
She is also responsible for the loan loss reserve analysis and Credit Policy. Ms. Duncan is Chairperson of the
Officers’ Loan Committee and the Special Assets Committee, as well as a voting member of the Directors’ Loan
Committee and Risk Management Committee. Ms. Duncan brings over 34 years of banking and bank regulatory
experience to the Bank. Prior to joining the Bank, she was employed at LegacyTexas Bank, a bank headquartered
in the Dallas market that had $6.5 billion in assets at the time of Ms. Duncan’s departure. During her tenure
there, Ms. Duncan served as Senior Vice President and Credit Officer for four years, and then Executive Vice
President and Chief Credit Officer for nine years, before being named the Director of Credit Risk Management.
Prior to her role with LegacyTexas Bank, Ms. Duncan was a Senior and Commissioned Bank Examiner with the
Federal Reserve Bank of Dallas from 1989 to 2000. Ms. Duncan graduated from Texas Tech University in 1986
with a Bachelor of Business Administration in Finance.