We Are History In the Making: Alum Fred L. Daniels, Jr.

FREDERICK “Fred” L. DANIELS, JR.

Executive Vice President &

Chief Credit Officer

Citizens Trust Bank (CTB)

A startling reaction from a professor ultimately opened the door to an solid banking career earned and enjoyed by Frederick “Fred” L. Daniels, Sr. Currently serving as Executive Vice President, Chief Credit Officer of Atlanta-based Citizens Trust Bank (CTB), Daniels has strategically utilized his analytical skills, which were poignantly evidenced and recognized by his professor, and charted a course that is flanked by excellence, consistent progression and effective leadership. 

Daniels’ current tasks give him charge of governance, credit risk, portfolio management analysis and loan administration on a diverse loan portfolio of $230M covering Atlanta, Columbus and Birmingham, AL.  He is responsible for monitoring and reporting key macroeconomic trends and carrying out independent quantitative analysis on the loan portfolio.  He oversees development, production, and communication of credit management reports, including reports to the Lending Unit, Executive Committee, Board of Directors, as well as external parties, such as Ratings Agencies. Joining CTB in September 1993, Daniels’ tenure with the bank has been distinguished by a number of success stories. Among the most notable is his role in leading the largest commercial and construction transactions in the bank’s history when he and his team assisted 19 merchants in purchasing 24 convenience stores, a $26M deal.  Another landmark transaction highlighted his leadership of a $21M bank syndicated condominium construction loan.  Daniels’ involvement in leading record loan production yielded him the 2007 President’s Award for outstanding performance. 

A native of Cleveland, OH, Daniels brings 24 years’ professional experience to CTB. After completing undergraduate studies at the University of Virginia (UVA), his career path was launched when he entered a management training program with First National Bank of Atlanta, (now Wells Fargo). He also matriculated through commercial lending schools at Community Bankers of Georgia and Wachovia Bank of Georgia.

Daniels joined CTB in 1993, shortly after its merger with First Southern, and has worked in the capacities of Commercial Loan Officer, Assistant Vice President, Vice President and Manager of Loan Administration.  He was entrusted with managing the Georgia and Alabama Lending Footprints as the bank’s Senior Lender before being promoted to his current position of Chief Credit Officer.  

An advocate for economic empowerment, Daniels consistently gives back to the community through his involvement with numerous professional and community organizations in both membership and leadership capacities.  This involvement includes the appointed positions of Treasurer of MARTA and member of DeKalb Chamber of Commerce Board of Directors. In addition, Daniels has served in the following capacities: Atlanta Urban League (Chairman of the Board, Treasurer); Board of Trustees, Leadership Georgia Foundation (Treasurer, Graduate); Board of Directors, Partnership for Community Action (Chairman of the Board, Interim Executive Director, and Assistant Secretary); National Bankers Association Senior Lender Forum, (Lead Facilitator); and Board of Directors, South DeKalb Business Association (President).  He is a graduate of Leadership DeKalb and a Mentor in the Governor’s Mentor - Protégée Program.  He serves as a member of the Loan Committee for the DeKalb Enterprise Business Corporation, (DEBCO), and he holds membership with the Georgia Bankers Association, the Community Bankers Association, Atlanta Business League, Union Missionary Baptist Church and Kappa Alpha Psi Fraternity.  As a result of his eminent leadership, the Atlanta Business League named him a 2009 Man of Influence and he was awarded a 2009 Dr. JW Fanning Fellow by the Board of Trustees of Leadership Georgia.

In his spare time, the die-hard Cleveland Browns fan enjoys golfing. Daniels is married to the former Yvette Kinsey, and they are the proud parents of two daughters, Kinsey and Kasey.