"Dave has been an invaluable partner to Southern Bank since our acquisition of the Bank of the Commonwealth loan portfolio. Dave has filled many roles for the Bank including, temporarily managing the Special Assets department, and overseeing a department responsible for managing accruing watchlist loans, in addition to managing specific credits within these two portfolios. He is very skilled in credit underwriting, analysis, and review of file documentation. He assesses problem loan situations quickly and presents effective resolution strategies that not only seek to efficiently resolve the credit, but also minimize the potential risks to the Bank. Dave is also very effective negotiating with borrowers, working with Bank counsel, and assisting other account officers within the Bank. In our partnership with Dave, he has been very flexible in providing services that are specifically tailored to meet our immediate needs, and has brought a level of expertise that has added significant value to our organization during this process. I would highly recommend Dave to any financial institution who has a need for these credit management services."

L. Taylor Harrell
Executive Vice President and Regional Executive
Southern Bank

"Dave Brown was referred to Virginia Company Bank when we needed expertise and experience working through some of our more challenging relationships. Dave met and exceeded our expectations in managing these accounts and we have seen a significant reduction in our problem assets. Because of this success, we continue to look for new opportunities to leverage his skills with both our credit and lending teams."

Mark C. Hanna
Executive Vice President
Hampton Roads Regional President

"Dave has exceptional credit skills that when combined with his experience in loan policy creation, problem loan resolution, and process management make him an excellent outside resource for any bank.  He specifically designs his scope of work for each project to bring the most value to his clients.  I would recommend Dave to any bank that needs credit management support."

Andy Lock
Senior EVP, Chief Risk Officer

"Dave brings to the table a wealth of experience and transactional skills in matters involving credit analysis, loan workouts and asset disposition.  It has been a privilege to work with and for him."

Pete Zemanian
Zemanian Law Group
Specializing in matters related to
Bankruptcy and Creditor Rights

"I’ve worked with Dave Brown for over 20 years. During that time he has been an employee, consultant, and overall source of information and critical thinking related to all things concerning commercial and real estate credit … underwriting, approval, collection, and policy development. In my 42 years of banking experience, he has one of the best “credit minds” I have encountered."

Ted Grell
Former President
Fulton Bank, Southern Region

"Dave Brown worked with Gateway Bank/Bank of Hampton Roads for two years as a special assets consultant and later as OREO manager. He could be counted upon to provide quick, thorough analysis, and well-reasoned course of action to either return troubled credits to performing status and, if necessary, minimize the Bank’s losses through prompt liquidation of its collateral and resolutions with borrowers and guarantors."

Paul A. Driscoll
Senior Vice President-Special Assets
Associate General Counsel
Hampton Roads Bankshares, Inc.

References available upon request.