Who We Are

Raymond C. Huston, President, former regulator and banker, established The BANKERS ADVANTAGE Group in 1987.  In 1989, he established the special bank services division for Deloitte & Touche – Houston.  Raymond spent seven years with a $20 billion bank holding company as Manager of the Directors’ Credit Review function at a $1 billion bank, Manager of Credit Administration and the Credit Examination Program of the Houston Division.  Prior to that, Raymond was a national bank examiner with the OCC for thirteen years with assignments including the Washington, D. C. and Dallas offices and examiner-in-charge of a sub-region with forty-four national banks.


This Section is being updated.


William E. “Billy” Korndorffer, Director of Loan Review, has over twenty-five years in the financial industry. He has seventeen years bank consulting in the areas of loan review, credit administration and workouts. Billy has experience in asset based lending and auditing. He has been doing loan review and bank consulting work for over fifteen years. Billy has been with The Bankers Advantage Group since 1988.

R. Sam Baker has over twenty years banking experience including thirteen years with the OCC. His OCC experience included managing a portfolio of troubled banks in Texas, as well as assisting in the examination of multinational banks in New England. Sam has some six years consulting to financial institutions, investors and individuals on banking, bank supervision, project viability, and management practices and effectiveness. His consulting experience includes community and large regional banks, the OTS and The World Bank. Sam has worked with The BANKERS ADVANTAGE Group since 1998.

Joe Riley Deese started his banking career of over 25years with a large bank in the Management Training Program – Credit Department and International Banking Division. He has training at Professional Training Program in International Finance at Export – Import Bank of the United States. His training included all phases of Eximbank export financing. Joe’s recent emphasis has also included loan portfolio reviews, due diligence exams, credit evaluation / analysis. He has done contract work for OTS. Joe has worked with The BANKERS ADVANTAGE Group since 1991.

John T. Dorbandt started his twenty-five years banking career with nine years as a National Bank Examiner with the OCC. John has had positions as Vice President, Senior Vice President and President with duties including manager and senior commercial and real estate lending officer, as well as overall bank management. John does loan and compliance reviews, director’s and due diligence examinations. John has worked with The BANKERS ADVANTAGE Group since 1998.

Gary L. Meier made significant contributions and received numerous awards while as a National Bank Examiner with the Comptroller of the Currency. He was Southwestern District Credit Expert and represented the Southwestern District. He served as a member of the Shared National Credit Appeals Panel. Gary participated in the development and implementation of OCC’s National Credit School and the Post Commissioned Credit School, in addition to serving as facilitator for both schools. Gary does contract work for the OCC in Shared National Credits reviews as well as credit evaluations in large banks. Gary first worked with The BANKERS ADVANTAGE Group in 1998.

Richard Rothfeld has over twenty-five years experience in the banking industry. He started his banking career as a national bank examiner and has held positions of Vice President, Senior Credit Officer, President, Vice Chairman and CEO. Dick has a L.L.B. from Brooklyn Law School. He does bank consulting and contract work with the OTS. Dick has worked with The BANKERS ADVANTAGE Group since 2000.

Michael Rouswell, has own financial services company since 1989.     Domestically:  Workout and Restructure Work – Market company to debtors, receive 3 yrs. Past financial information, review, analyze, prepare business plan and present to creditors.  Creditors normally were FDIC, RTC, Banks and Insurance companies.  Scope was nationwide and debts greater than $1MM.

Internationally:  Under contracts with KPMG Consulting, Barents Group, Inc., Bearing Point, East West Management Institute, World Bank, USAID and The Office of the High Representative (Bosnia and Herzegovina), supervised local teams preparing loan portfolios for sale including due diligence, valuation, collateral inspections, preparation of sale documents, marketing, tendering, closing and delivering product.  Established debt resolution entities, developed and delivered non-performing loan training modules to bankers, lawyers, bankruptcy judges, and administrators.  Mike supervised whole banks sales, employing similar processes with wider scope and depth.

Prior to 1989:        1988 – 1989:  Deputy Director for Dallas Region of FSLIC.  Responsibility approx. $10 Billion; 1,500 employees; Delegated authority – expenditures: $10,000,000; credit – $10,000,000.

1983 – 1988:  Managing Liquidator for FDIC including St. Joseph, Missouri, and Shreveport, Louisiana.  Responsibility: Approx. $2 Billion; 750 – 1,200 employees.  Mike delegated authority – expenditures $100,000; credit – $1,000,000.
Mike has worked with BANKERS ADVANTAGE since 2003.


Bill Meredith is a nationally recognized consultant to the financial services industry and provides consulting to all sizes of community, suburban and urban banks. Bill is a specialist in practical, performance-oriented strategic planning for banks and building long-term value for their shareholders. He also consults in the areas of profit and productivity improvement, business process reengineering and lending.

Prior to starting his own company in 1995, Bill spent ten years with Alex Sheshunoff Management Services where he established a consulting practice and was Director of Consulting and Senior Consultant. Bill’s own consulting activities for banks included primarily strategic planning, but also included facilitating High Performance Affiliation group meetings for bank CEOs. Bill worked in financial institutions for 20 years. We have worked together in various capacities for over 20 years.

Rich Glomski has over 30 years experience in the financial services industry.  His primary focus is on assisting financial institutions in optimizing the utilization of their capital (people, process, products, services & technology).    Rich’s expertise includes strategic management, merger/acquisition/divestment, product line optimization, management information systems and organizational change management.

Rich is president of a ten year-old management consulting firm. Previous experience includes being a Partner and Co-owner of First SouthWest Consulting, Principal in charge of Grant Thornton’s management consulting practice in Houston, Senior Manager with KPMG-Peat Marwick and a senior financial analyst with JPMorgan-Chase Bank.  In addition, he has a BBA in Accounting from Texas A&M University and an MBA from the University of Texas.  Rich has also authored several articles for industry trade organizations and is a frequent speaker to those same organizations.  Rich has been known to Bankers Advantage for over ten years.

The BANKERS ADVANTAGE Group, Incorporated is an approved contractor for federal regulators and has working relationships with other bank consultant professionals nation-wide – most have bank examining experience.