Geof Carmack
MAC Valuation Group

Geof Carmack is a Certified General Appraiser in Central Arkansas. He is currently a Candidate for Designation pursuing the Appraisal Institute’s prestigious MAI designation.

Since 1998 his geographical focus has been primarily the State of Arkansas. He has work experience in Oklahoma, Kansas, Texas, Missouri, Florida, Tennessee, Michigan, Washington, and Louisiana. Mr. Carmack’s experience includes a wide variety of property types such as single-unit and multi-unit residential properties, residential subdivisions analysis, multi-tenant retail, mu office, industrial, special purpose-type properties, rent comparability & feasibility studies and expert witness testimony.

Mr. Carmack has unique experience in multi-housing residential properties, both existing and proposed. He has experience with a variety of multifamily properties including garden-style apartments, mid-/high-rise apartments, rent-controlled and subsidized projects, and mixed-use apartment properties. His clients include government institutions, financial institutions, developers, corporate investors, CMBS conduits and attorneys.

Tim Keith
Infusion Marketing Group

Tim co-founded Infusion in 2007 and now serves as the Chief Executive Officer. His focus is on working directly with C-level leadership at banks and credit unions and the full Infusion team to facilitate and present comprehensive household data analyses, identify relevant growth opportunities, develop and recommend marketing strategies and programs, and track, evaluate and present campaign results. Tim joined Infusion from Acxiom Corporation, a provider of marketing technology and services, where he served as Senior Strategist and financial services consultant for the company’s marketing agency unit, Acxiom Direct. In that role he consulted with and advised executives at Bank of America, Wells Fargo, SunTrust, HSBC, as well as a variety of other banks and credit unions. Prior to that, Tim gained experience as a retail Senior Vice President at First Horizon and VP of Direct Marketing at Amsouth Bank (now Regions). Tim has worked with hundreds of banks and credit unions—large and small—on bank strategy and marketing issues. He is also a banking and credit union conference speaker and contributes articles on marketing strategy and programs to banking and credit union industry publications. Tim earned his MBA and Bachelor of Science in Marketing from Mississippi College.

Alex McIntosh
MAC Valuation Group

Alex McIntosh, MAI is the co-principle of MAC Valuation Group. He began his career working in the real property valuation industry in 2003 in Fayetteville, AR. working across the states of Arkansas, Texas, Oklahoma, Mississippi, Tennessee, and Louisiana. He is a graduate of the Walton School of Business of the University of Arkansas. MAC VG specializes in complex real property advisory across a variety of property types and uses including retail, office, multi-unit residential, industrial, agricultural, and other specialized categories. Receiving the MAI designation and Certified General (CG) licensure by the age of 30, made him the youngest designee and CG appraiser in the state of Arkansas for an extended period of time.

His continuing-educational background is diverse in scope, advanced methodologies, and applications as well as geographically. As a 2019 CCIM designated member, the continued pursuit of advanced education is of primary concern in keeping up to date with valuation trends and real property valuation and analysis. Holding the dual MAI and CCIM certifications makes him the only practicing fee appraiser in the State of Arkansas.

Allen North
Federal Reserve Bank of St. Louis

Allen North is Vice President in the Banking Supervision Division of the Federal Reserve Bank of St. Louis, currently overseeing the Safety and Soundness supervision for community banks and bank holding companies, and the District’s IT and Trust supervision activities. During his career at the Fed, he has held a number of leadership roles within the Division primarily focusing on community and regional banking.

North has led or participated in numerous interagency, System and local Reserve Bank initiatives, and currently serves as the District’s representative on the Federal Reserve System’s Community Banking Organization Management Group, Risk Council, and Fintech Supervisory Program. In addition to his broad regulatory experience, he has industry experience working in consulting, lending and special assets. North graduated with honors from Murray State University in 1993 with a bachelor’s degree in business administration, and earned a Federal Reserve System examiner commission in 1997.

Shawn O’Brien
QwickRate

As president of QwickRate, Shawn O’Brien continues to enhance the delivery of non-brokered funding through QwickRate’s CD Marketplace, while also bringing new offerings to its more than 3,000 institutional subscribers. These newer products and services set industry standards for providing time-saving performance and ease of use to financial institutions: QwickAnalytics® for bank research, analysis and regulatory tools; and IntelliCredit for game-changing loan review and credit intelligence solutions. Shawn currently serves on the board of directors of the National Bank of St. Anne, an Illinois community bank. He holds a B.A. in Business degree from the University of Notre Dame.

Kelly Owsley
Review Alliance

Kelly M. Owsley, CRCM, serves as a Virtual Compliance Officer (VCO). Kelly has 20+ years in the financial services industry with more than 10 years in the banking compliance arena. She holds a Bachelor of Science degree in Accounting from the University of Kentucky and has been a Certified Regulatory Compliance Manager since 2014.

Kelly began her career in 2000 in Philadelphia, PA and worked in numerous areas of the financial services industry, including retail branch management, lending, product development, and training for institutions ranging in asset size from $250 million to $3 billion. More recently she’s served in various compliance roles in community banks in Kentucky, including Senior Vice President – Chief Compliance Officer, Vice President of Compliance, BSA Officer, CRA Officer, and OFAC Officer where she developed strengths in implementation and management of all aspects of the compliance management system.

In addition, Kelly spent three years in a compliance training and development role as a Director of Training Services where she had the opportunity to work with bankers across ten states sharing her expertise in lending compliance through seminars and webinars.