Mr. Taylor founded Fred Taylor & Associates, Inc. in Columbia, SC. This firm provides a broad array of consulting support to the financial services and mortgage banking industries. Recognized for its excellence, its nationwide client base includes, private, public, as well as government entities. Fred Taylor & Associates, Inc. has been approved to provide its consulting and other services to all Federal Executive Agencies, Federally-related entities, as well as certain international organizations.

Mr. Taylor engineered a dramatic turnaround at The Huntington Mortgage Company, Columbus, OH, when he became President and CEO. He corrected numerous operational deficiencies and almost immediately reversed the losses the Company was experiencing. He drastically reduced Huntington's reliance on third-party originations, and in two years increased loan closings, which had dropped to approximately $1 billion, to about $2.5 billion. At the same time, he spearheaded expansion of the Company's retail production network, which covered the Midwest and portions of the Southeast. Huntington's return-on-equity grew rapidly during his tenure - averaging over 35% during the final year of his presidency.

While President and CEO of First Liberty Corporation, Atlanta, GA, Mr. Taylor tightened controls, expanded retail and wholesale production, and improved the organization's earnings performance. Under his guidance, both loan originations and the profitability of the mortgage operation increased substantially, and First Liberty's servicing portfolio grew to more than $1 billion.

Mr. Taylor created First Sun Mortgage Corporation, Columbia, SC, and served as its President and CEO. He steered this new full-service mortgage banking firm through the labyrinthine process of obtaining approvals from FHA, VA, FNMA, GNMA and FHLMC. Five years after it began, First Sun was originating more than $100 million in loans annually and had a servicing portfolio in excess of $250 million.

During his tenure as President and CEO of First Atlanta Mortgage Corporation, Atlanta, GA, Mr. Taylor increased before-tax income nearly 300%, lifting the company from a substantial loss position in its secondary marketing area and making it one of the top-performing mortgage banking firms in Georgia.

Senior Vice President, Bankers Mortgage Corporation, Columbia, SC

Executive Vice President, Government National Mortgage Association, Department of Housing and Urban Development, Washington, DC, Chief operating officer of the Government National Mortgage Association. Prior to assuming this position, Mr. Taylor held a number of senior positions at HUD.

Economist, Board of Governors of the Federal Reserve System, Washington, DC

Education:
The American University, Washington, DC
Course work completed toward Ph.D. in Economics
M.A., Monetary Economics
B.A., Economics

Honors and Awards:
Executive Performance Award, HUD; President of the United States Meritorious Executive Award; Outstanding Achievement Award, HUD; Certificates of Special Achievement, HUD; Graduate Assistantship, Economics Department, The American University; President, Omicron Delta Epsilon (National Economics Honor Society), Gamma Chapter.