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Ford Pratt, RMA-CRC, is a seasoned Senior Regional Credit Officer at Independent Financial, serving the Houston Region since July 2020. Prior roles include Senior Vice President and Credit Officer at Veritex Community Bank from April 2018 to July 2020, and a long tenure at Capital One from September 1999 to March 2018, where Ford held various positions, including VP of Credit Analysis and Underwriting. With expertise in financial and industry risk analysis, Ford specializes in managing complex business banking relationships and approving loans up to $5 million for companies generating revenues up to $50 million. Academic credentials include a Bachelor of Business Administration in Insurance and Real Estate from Baylor University and an MBA from Lamar University.