As President and Chief Executive Officer of American National Bank, Ralph engineered one of the most successful financial and operational turn-arounds in banking.  Shareholder value increased from a negative capital position to an excess of $20 million in 12 yeas.  Mr. Dowling’s successes as a banker, a consultant and a director of numerous mid-sized operating companies brings extensive expertise – across a broad spectrum of industries. 

As both a principal and a consultant, Ralph has aided and assisted numerous financial institutions at board and management levels in developing and implementing strategic plans focused on resolution of regulatory challenges, asset options, management issues and merger/acquisition challenges.  His roles included two CEO positions and two advisory board positions as well as position with bank holding companies – one U.S. organization and two international operating companies located in Mexico and Switzerland.

Ralph founded Bankpoint Consulting to provide consulting services to financial institutions and operating companies facing management challenges and/or seeking increased profitability and new directions.  Bankpoint Consulting also provided executive management services in transitional roles. 

“As a result of referrals to me by State and Federal regulators and industry leaders in regulatory law firms and investment banking firms, services were provided assistance to multiple financial institutions with their challenges.  Each situation was unique.  Roles included Interim CEO and Advisory Director to the Board, as the circumstances dictated.  Many of the positions were the result of “consent orders” issued by the FDIC.  Several of the positions related to a need for consensus regarding the direction of the institution on the parts of management, shareholders and board of directors.  At times this led to the sale of the organization, which entailed work on behalf of the buyer or the seller in the M&A process, usually in conjunction with investment bankers.  Other situations required restructure of ownership positions, which dictated relocation for the purposes of developing and implementing a short term strategic plan. As previously noted, each institution had its own unique challenges in finding a healthy direction and outcome.  

Operating company referrals were also a part of my consulting work.  Such referrals were generally obtained through bankruptcy counsel at major law firms.  These projects entailed either development of an operating plan or debt restructure as well as addressing ownership issues.

Based in both Texas and Maryland, I am available to travel as needed. ” – Ralph Dowling