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Joseph Hendrickson is currently the VP, Director of Consumer & Small Business Underwriting at Southern States Bank. Prior to this, Joseph held various roles at Regions Bank, including Vice President, Credit Underwriting Manager. Joseph has extensive experience in analyzing financial data, tax returns, and audited financial statements to provide detailed analysis based on cash flow, debt service ratios, and credit analysis. Joseph has also managed small business loan requests, provided financial recommendations to affluent clients, and worked on marketing and game day operations at Furman University. Joseph holds a degree from Auburn University and completed the Graduate School of Banking at LSU.