Ms. Spaulding, formerly Ms. Audrey A. 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. Spaulding served as Executive Vice President and Chief Credit Officer of the Bank. Ms. Spaulding 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. Spaulding 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. Spaulding 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. Spaulding’s departure. During her tenure there, Ms. Spaulding 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. Spaulding was a Senior and Commissioned Bank Examiner with the Federal Reserve Bank of Dallas from 1989 to 2000. Ms. Spaulding graduated from Texas Tech University in 1986 with a Bachelor of Business Administration in Finance.