Todd Sardich, Vice President, Risk Management Consulting

Todd Sardich is vice president of risk management consultingMr. Sardich is a seasoned senior banking professional with experience in commercial credit underwriting, credit risk management, credit policy and administration, loan review, problem loan management, the calculation and justification for the Allowance for Loan and Lease Losses (ALLL), and asset quality and concentration reporting and analysis. 

Mr. Sardich previously served as Corporate Vice President of Credit Administration and Senior Credit Risk Officer for First Place Financial Corporation, a $3 billion bank with offices in Ohio, Michigan, and Indiana, where he led the credit risk and administration initiativesfor the organization. Previously, he served as Vice President and Credit Risk Manager (including Loan Review and Enterprise Risk Management). 

Throughout his career, Mr. Sardich has been involved in all aspects of credit administration including underwriting, credit policy, credit procedures, problem loan resolution, credit information systems and due diligence.  In addition, Mr. Sardich has extensive experience in ALLL methodology, impaired loans and Troubled Debt Restructures (TDRs), credit risk management, lending, and regulatory compliance

At Ardmore Banking Advisors, Mr. Sardich primarily assists clients in the following areas:
  • Credit Administration
  • Credit Risk Management
  • ALLL Methodology
  • Special Asset Resolution
  • Credit Policy Development
  • Asset Quality Analytics including Stress Testing 
  • Portfolio Management including Concentration Analysis 
  • Lending Operations and Procedures
  • Regulatory Compliance

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