Austin Elsey, has experienced the full gamut of credit roles and responsibilities in banking. He currently serves as a credit risk specialist focusing on CECL/ALLL. He has also served as an FDIC examiner, credit underwriter, chief credit officer, commercial lender, and even as a college professor. Knowing that CECL is one of the latest challenges facing community banks, he has been involved in CECL model development since 2014. Austin is Credit Risk Certified through the Risk Management Association, a Certified Fraud Examiner, and a Certified Management Accountant. He currently serves as the President of True North Bank Consulting, LLC which operates in partnership with Community Bank Advisors.