Joe Hyatt

Partner and Chief Credit Officer

Joe is an owner of DFTC, Inc. and a senior executive and commercial lending industry expert with over 26 years’ experience encompassing commercial credit underwriting, credit training, business operations and management, public accounting, sales and research focused on generating conservative, recurring and sustainable revenue growth.

 Joe’s roles include Chief Credit Officer leading, coaching and directing credit policy, procedure, credit risk assessment and mitigation for 20 plus financial institution partners; subject matter expert (SME) developing and training commercial credit for the National Credit Union Administration, Credit Union National Association, and CUSO organizations; executive consultant counseling financial institutions regarding safety and soundness issues with commercial loan portfolios ranging from $5MM to $500MM.

Leadership Team

Dana P. Sumner

President and CEO

Joe Hyatt

Partner and Chief Credit Officer

Crystal Dowd

SVP and COO

Bob Stowell

Executive Management Consultant