Patrick Vernon is a Senior Manager in Crowe's Advisory Services practice, focusing on CECL related projects such as Implementation, Readiness Assessment, and Model Validation. Patrick has worked with 40+ institutions across the country ranging from $1B - $50B, helping to build out CECL Implementation roadmaps and project plans. He also currently attends CECL steering committee meetings for a number of organizations, consults with Crowe's audit and risk teams for CECL related matters, and completes CECL Model Validation engagements. Patrick has extensive experience with transaction and valuation services for financial institutions and investor groups regarding select asset acquisitions and whole bank and financial service firm acquisitions. Patrick has a background in external audit engagements with a primary focus on Allowance for Loan Losses and Mortgage Banking Derivatives.