Bruce Turner, CRCM
Managing Member

Bruce is a University of Texas graduate with a BBA in Finance and has been a banking consultant since 1992, when he began working for the loan review firm First Consultants. He left to start Turner Consulting Services in 2000 in order to offer compliance reviews to existing clients. In 2003 he purchased First Consultants and merged both firms. For several years beginning in 2000 he also worked part-time as an OCC field examiner on a contract basis. Bruce has been a Certified Regulatory Compliance Manager since 2002 and is active in local and state banking and compliance groups.


Nancy Chapin

Nancy graduated with a Bachelor of Science degree in Business Administration from Indiana State University. She has worked in the banking industry since 2000 and is our “behind the scenes” office manager who organizes and prepares the team for our reviews, as well as helping with report generation for our clients.


Joel Fox

Joel Fox graduated from Texas Christian University with a BBA in Finance. He has 27 years of banking experience, including four years as a bank examiner for the FDIC, six years in the asset-based lending and factoring industry, eight years in senior credit positions with financial institutions and the past nine years as an independent consultant.


Cindy Lloyd

Cindy has spent over 30 years in the banking industry, which includes her role as an independent bank consultant since 2007. She formerly served as VP of Loan Operations and Compliance for a large bank in North Dallas, and she has held other titles such as Compliance Manager, Branch Auditor and AVP of Risk Management/Compliance.