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Meet the Team


Robert (Bob) Green, CEO

Bob is the founding member and Chief Executive Officer of Greenhouse Financial, LLC. Bob has over twenty-five years in the life insurance industry with emphasis in the BOLI/COLI marketplace. The experience he brings to the table in negotiations with the life insurance industry on clients behalf is admired by his peers and competitors. He has helped placed over a billion dollars of insurance in corporations and financial institutions.

Mr. Green is a native of Pensacola, FL and graduated from Evangel University of Springfield, Mo. He received two masters’ degrees from Troy State University in Troy, Alabama in Administration and Supervision. Mr. Green also received the "Meritorious Service Award" while serving in the US Army (1970-72).


David Carter, CFO

David brings over 30 years of senior executive and financial experience to GHF. Prior to joining our team he served for two years as President of The Bank, and six years as EVP/CFO for The Banc Corporation (TBNC); a $1.4 billion publicly traded financial institution headquartered in Birmingham, Alabama. Its primary subsidiary, The Bank, is comprised of 19 branches in Alabama and seven in the panhandle of Florida. Mr. Carter also served for 14 years as EVP/CFO for Trustmark Bank (TRMK), a regional publicly traded financial institution headquartered in Jackson, Mississippi. During his tenure with Trustmark and The Banc Corporation he was instrumental in acquiring and merging 22 financial institutions. He has vast experience in dealing with the SEC and Banking regulatory agencies. He also led the acquisition teams that raised capital on numerous occasions in order to complete multiple mergers.


Scott P. Harrison, J.D., CLO & CCO

Scott is GHF's Chief Legal Counsel and Compliance Officer. With more than 25 years experience in the field of Banking Law and Compliance, Scott brings a wealth of knowledge and experience in dealing with financial institution laws and regulations. Prior to founding his consulting firm HCI, in 1994, Scott served five years as General Counsel and Compliance Officer for one of the fastest growing banks in the South Central United States. His areas of expertise lie in financial institution regulatory compliance issues, other banking related legal matters, mergers and acquisitions, business organizations, deferred and executive compensation and other related business law matters.

Mr. Harrison graduated from the Walton College of Business at the University of Arkansas with a B.S.B.A. in Accounting and earned his Juris Doctorate from the University of Arkansas School of Law. Scott is a member of the Arkansas and American Bar Associations and is licensed to practice law in the State of Arkansas and the federal court system.


Terrence P. Fergus, CPA, PFS

Terrence is the president of FSM Capital Management, LLC. His prior experience included serving as a senior tax partner in the Cleveland office of KPMG, LLP where he had been a member of that office for 19 years since joining the Firm in 1982. In addition to his duties as a tax partner, he served as Partner in Charge of the Northeast Ohio Personal Financial Planning (PFP) Practice, where he specialized in helping corporate executives and individuals with substantial wealth to develop and implement comprehensive personal financial plans. In addition, he was a member of KPMG’s PFP Innovative Strategies Committee, as well as the firm’s National Director of Career Transition Services and National Director of Insurance Consulting Services.

He currently provides special bank owned life insurance consulting services on corporate clients such as:

  • Third Federal Savings & Loan Association (Ohio)
  • First Federal Savings & Loan of Lakewood (Ohio)
  • Regions Financial Corporation (Alabama)
  • Aliant Bank Corporation (Alabama)
  • Charter One Financial, Inc. (Ohio)
  • Park View Federal Savings (Ohio)
  • Astoria Financial Corporation (New York)
  • Investors Savings Bank (New Jersey)

In addition to the above financial institutions, while with KPMG, LLP, Mr. Fergus consulted on the structure and design of the bank owned life insurance programs of:

  • Citibank (New York)
  • Wells Fargo (California)
  • Bank One (Illinois)
  • SouthTrust (Alabama)
  • Chase Manhattan (New York)
  • First Tennessee (Tennessee)
  • Harris Trust (Illinois)
  • MidCity Financial Corp (Illinois)

Mr. Fergus has over 25 years of experience and he frequently lectures to boards of directors, corporate executives and professional groups. He has been quoted numerous times in the Washington Post, New York Times, Chicago Tribune, The Financial Times, The Cincinnati Post, Crain’s Cleveland Business and the Cleveland Plain Dealer. Mr. Fergus maintains a particular specialization in the valuation of life insurance products and most particularly in the use of these products in and their applicability to the corporate environment in alternative investment, compensation packages and succession planning strategies.


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