T. Alexander Spratt
President & CEO, Ardmore Banking Advisors, Ardmore, PA

"If a person has the idea that they want to do a good thing for themselves, their customer or their client... If any of those is missing, then you've got a problem. So we look for attitude first, then for the proper experience and background and skills."

Tags: T. Alexander Spratt, Sandy, banking, entrepreneurial, community banks, $20B level, seven states, credit risk management, consulting services, asset quality, outsourced loan review, due diligence, expert witnesses, lender liability, portfolio management services, attitude